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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against TransUnion, XXXX, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in TransUnion. 
Last Day of Activity : Different dates across TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Closed Date : Reported only by TransUnion as XX/XX/XXXX ; missing in XXXX and XXXX. 
Account Rating : Listed as " Closed '' in TransUnion, but " Paid '' in XXXX and XXXX. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected.

Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates.

Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from TransUnion, XXXX, and XXXX verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed accounts are incorrect and they are causing distress and hardship affecting my livelihood. 

XXXXXXXX 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

LexisNexis said they verified a bankruptcy through the courts. This is impossible because the courts do not speak or report to third party agencies. They have failed to properly verify information that was disputed. They are reporting information that can not be verified to the three major credit agencies. This is chasing improper credit reporting through the fcRA. They need to remove the unverified item from all 3 agencies
Product: Checking or savings account

I am currently trying to connect/link my personal checking account to a third party payment company known as XXXX to be able to set up payments for rent to my landlord. Im unable to do that for some reason and would like to know why. Its a trust worthy and secured website. Could you fix this problem please
Product: Credit reporting

I disputed this Bankruptcy with Experian because this is not my filing. I called the Courthouse, ask how they verify bankruptcies thats do n't belong to you with the credit bureaus. They said candidly they do n't verify any information with third parties and the credit bureaus do n't have any true methods besides pulling a public records search to the address on my file. I have a family member that may have did it but Im not sure but I know its not mine. They are maliciously trying to destroy my financial creditability for no fault of my own.AS PROOF XXXX HAS DELETED IT ACKNOWLEDGING THEIR ERROR.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting

I have collections on my credit report that does not belong to me, I disputed these items and they were removed from my credit report, Transunion has now put those same collection, derogatory reports back on my credit report, after having relentless conversations with them and them asssuring me that they would be removed once again, they are still on there and still remains
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports from XX/XX/2020 thru XX/XX/2020 showed a balance from XXXX XXXX of {$2900.00}. This account is very old and has been closed for many years. I look forward to it falling off my report due to age within the next 19 months. However, the creditor has committed fraud and is reporting a fraudulent balance in XX/XX/2020. My credit report is now showing a balance of {$4300.00}. Unfortunately, the creditor is not able to verify the balance and report it correctly. I've contacted the creditor many times for the past 2 years. For your reference, see attached letter from XXXX XXXX. This document shows that the creditor recorded a balance of {$2900.00}. This document conflicts with the information reported by XXXX XXXX to your credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for any purpose.
Product: Mortgage

I would urge everyone to contact the Consumer Financial Protection Bureau and file a complaint against Ditech. This company and the Federal Trade Commission were able to levy a fine on Green Tree for XXXX dollars for mortgage failure. Ditech is just a reorganization of that old company. I have already filed several complaints against them. I was up to date with my mortgage until I paid early, now I am behind and facing foreclosure. They have not applied all funds to my account, and they have not credited my account for the actual amount that I paid. 

I suspect that they have altered my billing history, but I have no way to prove this. If everyone holds this company accountable, we can get our money back and our mortgage back on track. Go to this website http : //www.consumerfinance.gov/ and file a complaint today. I am going to sue Ditech if they do n't correct their accounting errors. There are also several class actions out there, XXXX for foreclosure after paying early and XXXX for Ditech giving insurance companies kickbacks. Good luck everyone.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach with XXXX I have found that there are some unauthorized inquires from XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery on my XXXX XXXX, XXXX and XXXX credit bureau that I did not authorize.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/2020, I sat down at my computer to find my computer being hacked. The hacker had placed order using the XXXX XXXX, XXXX and XXXX websites.. I was refunded for all these transactions by either my bank, credit card company, XXXX or PayPal. 

However, three separate money transfers from my PayPal account, dated XX/XX/2020, were made through PayPal and XXXX, to an XXXX XXXX for a total of {$650.00}. I do not know XXXX XXXX. I do not have a XXXX account nor have I ever had a XXXX account. I reported these fraudulent transactions to the PayPal Resolution Center. My claim was denied and then referred to PayPals Escalation Team, but I was told that the transfers were not unauthorized, which, of course, is not true. 
I started receiving threating emails from the hacker and filed a Police Report with the XXXX XXXX XXXX, California Police Department ( Case Number XXXX by Officer XXXX, Badge Number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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: Debt collection

ATG Credit contacted me in XX/XX/XXXX trying to collect a medical debt of {$5400.00}. This came as a shock to me and after doing some research, I do not believe this charge is valid. 

Over 4 years ago, in XXXX XXXX XXXX I received a XXXX XXXX while under the care of XXXX XXXX XXXX. XXXX XXXX XXXX was the lab that performed the test. It appears XXXX XXXX XXXX filed for bankruptcy in XX/XX/XXXX. XXXX claims they now own their debts, and that is why this bill has suddenly surfaced. 

I learned of the Fair Debt Collection Practices act and asked for evidence of ATG owning this debt and how their company got assigned the debt. They have not provided that information. I called ATG in XXXX XXXX XXXX to ask about where this debt came from and details of how it changed hands and my questions were met with hostility and eventually I was hung up on. 

When I spoke with my previous health insurance company, XXXX XXXX XXXX, about this claim they had different totals associated with the bill than what ATG is asking for. 

Furthermore, I asked XXXX XXXX office to review the bill that ATG sent and they said it is suspect based on what they know about what insurance usually covers ( for example, the labs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not covered and they are normally covered, even with minimal coding ; while tests for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were applied to my deductible, which is unusual. ) This suggests that this blood test was never properly billed to insurance and is factually incorrect. 

Lastly and perhaps most importantly, since it has been over 4 years since the date of service, I believe this medical charge is outside of the statute of limitations in the state of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX Mr.Cooper has only reported to XXXX reporting agency.they lied about reporting payments to XXXX, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when Mr Cooper was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.Mr.Cooper has cause me a great deal of mental stress and they need to be seriously sued in a court of law.Mr Cooper knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS 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

There are multiple hard inquiries I see here in my account that I did not authorize or know about down below will list them 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 XXXX XXXX XXXX  These are all the ones I did not approve there are connected and reported to all the major credit bureaus they all repeat and connect with equfax, XXXX and XXXX they all repeat for each hard inquiries I I would appreciate if these can be removed as I did not authorize or consent to these at all.
Product: Debt collection

Transworld a debt collector called me yesterday ( XXXX XXXX XXXX  ) to notify me that a past utility bill from XXXX XXXX XXXX  for over {$1000.00}. 

I called them today ( XXXX XXXX XXXX ) and asked to receive written proof of the debt and confirmation that I have 30 days to respond regarding the debt. 

They said that they sent written notices to me in XXXX which I never received. I requested that I still have 30 days to respond and they said we sent you notice in XXXX. 

The conversation went around in circles.
Product: Credit card

I tried to pay my Crate & Barrel credit card with my savings account using their online portal on XXXX XXXX. It was rejected. I called them and they said that the account number was incorrect the representative said it did not matter that it was a savings account. I checked the account number and tried again. It was rejected again. I called again and they then told me that they did not take payments from a savings account. I said I could write them a check but it could not be processed as an ACH it would have to be deposited. The rep did not know how to tell me to do that. I reviewed my bill and there are instructions on the back of their bill on how to do this. You write a paper check and mail it to the address on the back in your OWN envelope. Which I did. I didn't even include a copy of my bill to be sure it would not get processed incorrectly. I put my account number on my check. Synchrony received my payment of {$4900.00} and attempted to process it as an ACH on XX/XX/XXXX. It was kicked back. At this point I had interest fees as well as late charges on this account. I called and spoke to them and they did remove the late fees and interest fees associated with my Crate & Barrel card. I paid the balance of the Crate & Barrel card in the amount of {$5100.00} on XXXX 
I have two credit cards for two different stores with Synchrony. They closed both of these accounts which has affected my credit. I called and spoke to them multiple times and have spent HOURS trying to get this sorted. They said I needed a letter from my bank however when I called my bank my bank has no record of the check ever being presented because it was done ACH therefore there is no letter to write. I ask Synchrony for a copy of the deposited check to be mailed to me but that could not be done ( because it was tried to process ACH ). The funds were in both accounts both times I tried to pay! I really don't care about having these credit cards. However, I DO very much care about my credit. Number one, it does not state anywhere that you can not pay online using a savings account. I use this same savings account to pay my XXXX bill so I know it can be used for electronic payments. In addition to that their own customer service reps. ( one of which was a manager named XXXX XX/XX/XXXX ) doesn't even know this. Secondly, I followed the directions on the back of THEIR bill in order to get this paid not as an ACH. In no way should their incompetence be allowed to affect my credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was advised by TransUnion and XXXX rep to fill out this report because of unauthorized fraudulent inquiries on my report. Please remove all the unauthorized inquiries for my report. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Like everyone, the pandemic disrupted my life and my income. I called my lender and asked for a forbearance. I was given the forbearance by Flagstar and tried to get everything sorted out. When I resumed working and earning an income again, I called Flagstar to resume payments and was told I would be sent to FHA for a post COVID assistance. I received a phone call from my lender on XX/XX/2022 stating that I was denied and would need to send in a full documentation modification review. After a return call we spoke to XXXX ID XXXX who said the partial claim was denied because the past due amount is greater than 25 % of unpaid principal balance. This is all well understood by me and I do not have a problem with the denial of the partial claim. The problem is that when I asked XXXX to send me back to FHA for a recovery modification review, he refused. He stated an entire documentation package would need to be sent. I asked why can I not go to FHA for the streamline recovery modification. I was told that the streamline recovery modification was a full documentation review. After research, this is incorrect. My lender will not listen to me and will not send me to FHA for the assistance I believe I qualify for. Also, the phone call telling me I was denied and needed to reinstate did not offer any other alternative. When I looked into this, I believe I was misinformed about the options available to me.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140.00}
Product: Credit reporting or other personal consumer reports

An accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under act 15 USC 1681. 

XXXX XXXX, XXXX And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file or the consumer, or modify that item of information.
Product: Credit reporting or other personal consumer reports

Experian 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 accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed dispute items despite the evidence i provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I did a transfer from XXXX XXXX XXXX  where I was the account holder to the Chase bank to the supposed closing attorneys account. 2 hours later I was informed by the closing attorney that they didn't receive the wire, and they confirmed the account information that I had was not the correct one, apparently the email was hacked and I was following the instructions from a hacker. I immediately informed my bank, and while the funds were still available on my account I requested to place a swift recall. Accordingly to the bank manger of the branch where I initiated the transferred from, the XXXX XXXX had place a wire stopped successfully and the Chase bank did acknowledge a name discrepancy and the wire was placed on hold. On XX/XX/XXXX the Chase bank released the funds to the fraudsters and closed the account. Following the investigations from the Law enforcement in XXXX, the Police XXXX uncharged discovered the Chase bank opened the account to a person with fake ID and XXXX phone number. Still the bank released the red flagged funds. The XXXX XXXX did failed by not confirming with the Chase the account at the time I was making the wire transfer, as a result of this mistake I was told the manager was later on terminated ; still I never retrieved my money, and the Chase bank did opened and released the funds to fraudsters what makes me conclude this was an inside crime. I need from both bank to accept their response and refund the money that I lost