23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a bankruptcy trial in XXXX 2015 which was mostly regarding private student loans. I won the case and had all of my private student loans discharged in the bankruptcy. After several months of monitoring my credit, I saw that XXXX XXXX XXXX XXXX account continued to say " open '' despite having a note that it was charged off as bad debt on my Equifax report. The same account on my XXXX report stated that the account was closed, which is correct. I disputed with Equifax and got a simple repsonse back that they checked with XXXX XXXX XXXX and XXXX XXXX XXXX said the information was correct. This student loan that was legally discharged by a federal bankruptcy judge is over {$24000.00} and is still showing up as of today on my Equifax report as open. It does n't make any sense and Equifax did n't seem to do anything other than take XXXX XXXX XXXX word for it rather than doing independent research ... especially when looking up the court order would be free and easy. 

I am naturally trying to get my credit back on track so I can have a normal life and it is a SLOW process I am learning, but this misinformation is only making it worse.
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 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 Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years. 
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 XXXX
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesn't belong to me and need to be removed. also, the nest as well. thanks 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 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, credit repair services, or other personal consumer reports

Upon looking at my Experian credit report, I noticed that there is a chargeoff from XXXX XXXX reporting on my Experian credit report only. It has no balance due and the date of last activity on reporting to the credit bureaus was XX/XX/2016. This account is right at the XXXX  years statute of outdated reported times : XXXX XXXX : Account XXXX : XXXX Please delete this account for being outdated and inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account is identity theft and a report was filed and has been disputed to XXXX XXXX XXXX Department and the XXXX refused to investigate. 

Account is fraud on credit file
Product: Checking or savings account

I discovered un-authorized transactions that occurred on my account from XXXX to XX/XX/. I quickly reported the incident to the bank. They filed 6 claims on my behalf. One of my claim was denied and am reaching out to CFPB to assist me in retrieving my stolen money
Product: Mortgage

Following a refinance of my home in XX/XX/XXXX, my mortgage transitioned from XXXX to Shellpoint Mortgage in XX/XX/XXXX. 
In the past, I have always set-up my mortgage payments for automatic withdrawal with previous mortgage servicers ; however, Shellpoint did not offer that option in my first payment ( s ). 

I attempted to set-up automatic withdrawal in subsequent monthly mortgage payments, but their system would not allow me to do so because I did not pay my mortgage ahead of the payment due date ( they treated as if it was past due at that time ). 

Despite the fact that I elected to receive paperless e-statements, Shellpoint also does not proactively send me my e-statements via email, nor do they send me courtesy reminder emails to make my payments on-time. 

This lack of service makes it extremely tough to remember to make timely payments, particularly during the middle of a global pandemic when I have XXXX kids under the age of XXXX that are all at home because of school closures, and without reliable childcare. 

Fast forward a few months, I made my XX/XX/XXXX mortgage payment 2 days late beyond the grace period and they assessed a {$270.00} late fee to my account. 

At the same time of my most recent payment, I was finally able to set-up my account for automatic payments on the XXXX of each month ( not sure why it worked this time over the other attempts I have made in the past ) ; therefore, this situation will not happen again. 

I have called Shellpoint 's customer service hotline several times, and spoken with several representatives/supervisors explaining to them what I mentioned above, and they are refusing to budge on removing the late fee because they said this situation was not a systematic issue caused on their end. 

It has now become undeniably clear to me that the servicing model that Shellpoint has set-up is intentionally designed to incentivize late fees by not publishing e-statements, reminder emails, streamlined set-up of automated payments, or the sufficient customer service needed to facilitate timely payments of debt obligations. 

This lending practice is predatory, albeit extremely stealthy, but I am truly stunned that they are completely unwilling to remove the late fee especially since I have signed up for automatic payments moving forward to make 100 % certain this situation will not happen again. 
Please help!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXXXXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXXXXXX XXXX, notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX. However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute. 

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the XXXX, XXXXXXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the XXXX. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXXXXXX XXXX 's actions, resulting in a drop of 44 points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.
Product: Checking or savings account

This company constantly charged overdraft fees in less than 24 hours when I asked him to leave the overdraft fee because it's less than 24 hours sometimes they do it most times they refuse to do it or tell me that they can't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 inquiries on my credit report that I do not recognize.
Product: Debt collection

My now ex-wife took out multiple credit cards in my name without my consent, and went as far as to forge my signature. I am also dealing with her illegally loaning against my life insurance policy. This is one of many credit cards that she took out in my name without my knowledge, and I am only finding out about it 3 years after she took out the card and it has gone to collections. I have spoken with the collection company and they are not willing to dispute the issue, nor are they willing to provide me with any credit card statements in writing. They did provide me with a few brief charges with this card such as small monetary increments to XXXX XXXX, XXXX etc totaling in the amount of {$760.00}. I am trying to get my credit back in good standing and trying to resolve old issues without filing for bankruptcy, and this is an outstanding debt that I did not agree upon nor have any knowledge of.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX and XX/XX/XXXX are inaccurate. My payment history reflects consistent on-time payments, and I have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Summary of Errors and Discrepancies : The account reflects late payments in XXXX and XX/XX/XXXX, which are inaccurate. 
Payment history should reflect 100 % on-time payments. 
The discrepancies misrepresent my creditworthiness and violate consumer protection laws. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Cashapp account was closed due to something that was not disclosed. I have been trying to get ahold of support all day. The only sketchy thing that happened was two days ago when I put an order for one share of XXXX XXXX but cashapp crashed and ordered two without my approval. I depend on this account for my investments and was a week away from opening a buisness account with square for my freelancing work in which I also depend on cashapp for besides XXXX. I need this account for my day to day life. Today has been XXXX because of this. I have almost XXXX in that account and I cant do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an investigation with One Main as their seems to be an hard inquiry on me credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX  XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022. 
I already had an account which was included into the bankruptcy so I never tried to reestablish credit with them after or during my filing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting credit report incorrect XXXX, false, wrong in 2014 i placed a fraud alert someone was using my information to get credit .today a copy of Transunion credit report enclose shows misleading information and violation under FCRA , FDCPA rules. Transunion is the only company still trying to report this case. 8 months of dispute they still do not report in dispute, date of last payment, claims sold in collection but name not listed, XXXX XXXX XXXX XXXX  XXXX, Section XXXX also FCRA 623 and FDCPA 806 { b } states that the creditor must enter a notice of dispute { no Stated } if this is not entered the account can not report on the account, XXXX   XXXX sect XXXX states you can not report a 3rd party collection legally regardless if the account was sold to, given, traded, anything it is against the law to report it there is an investigation FTC on DSRM this case is against you transunion
Product: Checking or savings account

Trying to send money to XXXX account. But td bank does n't not recognize them and can not send money with them by account number and routing number. XXXX is fdic insured for XXXX how can TD bank not recognize them?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account dont belong to me I have ftc report also police report and even paid the balance off its still on my three credit reports please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian to asked that they block fraudulent charges on my credit report pursuant to 605B of the FCRA. The fraudulent charges are from XXXX XXXX XXXX. I explained to the representative at Experian that the company had not provided any documentation to support and validate these fraudulent charges and that they are required to block this information within four days and to let the furnisher know. They refused to do this because they did not have proof of identity. I sent Experian an up to date drivers license and a registration card to prove my identity. They still have not done their job as a bureau to remove these charges. XXXX and XXXX has already verified the information as fraudulent and removed the items immediately. In the beginning there was 6 accounts and out of the 6 Experian only removed 3. Which leaves the last 3 fraudulent items. I ask that the CFPB help me litigate this inconvenience if a matter so that I may begin to start my credit report fresh and without fraudulent activity. Ive attached letters Ive sent and their response to the letter. However, I did not upload my proof of identity because this description may be published. Experian has this information already.
Product: Credit card or prepaid card

I discoved on XX/XX/XXXX that I have been charged {$7.00} for XXXX on my Amazon.com store card, ending in XXXX, on the XXXX of every month since XXXX of XXXX. 

I previously had an account with audible that was canceled in XX/XX/XXXX. That arrangement was on a different card ending in XXXX. 

At no time did I authorize a membership or fee to be charged to my amazon store card ending in XXXX. 

Synchrony Bank is the issuer of the card with the unauthorized charges ending in XXXX. 

They have provided a provisional credit for current charges as well as the last two billing statements as they are required to by law. The employee, XXXX, stated that they will conduct an investigation for the charges from XX/XX/XXXX through XX/XX/XXXX ; a total of XXXX months. He stated that it may take up to 60 days for the investigation to be completed. I understand that they are allowed this time by law. 

The reason for my complaint is that XXXX does not show an active account for me at this time. I confirmed this with one of their representatives. I also have a screenshot of the account showing that the service was canceled in XX/XX/XXXX. So, for some reason, I was being charged on two different credit cards between XXXX and XX/XX/XXXX. The charges on my XXXX XXXX XXXX, ending in XXXX, which I never approved. Began in XXXX of XXXX and were still being charged to this card as of XX/XX/XXXX. 

I am happy to provide any documentation you may require. Thank you inadvance for any assistance that you can provide. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submission, Experian consistently responds within 24 hours stating the account is accurate without a thorough investigation. They have had a breach in their system and I am unaware of these names an and addresses and debts. I have went on the national public data website and seen that my information was part of the breech. I have disputed items. I request that the CFPB take action to ensure that Experian complies with the federal law. I do not own these debts and
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 3 inaccurate late payments for the XXXX XXXXXXXX account beginning with XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and are supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of these inaccuracies that are causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX for their failure to provide proper debt validation concerning a XXXX account, account number XXXX, which was purportedly opened in XX/XX/. Both of these credit reporting agencies are currently reporting this account as " charged off '' with a balance, which is not accurate. I have taken steps to rectify this issue, and XXXX has already removed this account from their records, further emphasizing the inaccuracy of the information provided by Experian and XXXX. 

My primary concerns regarding this matter are as follows : Inaccurate Reporting : Experian and XXXX are reporting the XXXX account, XXXX, as charged off with a balance, which is not only detrimental to my credit score but also entirely false. XXXX has already acknowledged the inaccuracy and removed this account from their records, and I believe that all credit bureaus should maintain consistent and accurate information. 

Lack of Debt Validation : Despite my repeated requests, Experian and XXXX have failed to provide adequate debt validation for this XXXX account. I have disputed the accuracy of this account, and both agencies claim to have validated it through XXXX. However, I have personally confirmed with XXXX that they are unable to validate the existence of this account, casting doubt on the legitimacy of the information provided by Experian and XXXX. 

False Address Association : The address associated with this XXXX account does not belong to me. This erroneous association further raises concerns about the accuracy and reliability of the information being reported by Experian and XXXX.