23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.
Product: Debt collection

I contacted Resurgent Capital a few months back to dispute the debt which I continue to dispute. However, Resurgent has placed this account on my credit bureau ( which I hold is a violation of the Fair Credit Reporting Act ) so I contacted them in an attempt to settle the bill. 

During the call, I made a settlement offer of {$600.00}. First off, the collectors were  extremely rude. I explained I am XXXX and there are no assets for them to come after. I then asked to speak to a supervisor as they refused to even propose the offer to their client. 

Please make a note, of the three people I spoke to ( which can be confirmed by the attached audio recording of the call ) none of them provided the disclosure that " this is an attempt to collect a debt ''. 

All of the reps refused to take the settlement offer to their client which is a violation of the agency relationship as established by law. 

Further, I contend such actions are a violation of the FDCPA. However, at the very least, Resurgent Capital violated the FDCPA by not providing the required disclosure. 

I will be speaking with my family attorney about my options with regard to filing suit against Resurgent Capital.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  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 : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXXXXXX confirming the technical issue that led to the delay in processing. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at XXXX and XXXX on XX/XX/20. They refused to remove the inaccurate and incorrect information.
Product: Checking or savings account

I deposited check from the Federal government on the 5th and they put it in my account and then take it out of my account and put it on a hold for 5 days. I contacted them because I have a gas leak in my house and I need that money to fix my gas leak in my house and to pay for my car before it gets repoed and still they have not released the funds they have approved it so I don't know why they can't release it if it's already been approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiries on my credit report shouldnt be there do to the fact that I didn't give permission for them to be applied to my credit report
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 XXXX {$1100.00} XXXXXXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX   XXXX {$1200.00} XXXX  XXXX {$5200.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX XXXX XXXX  XXXX {$100.00} XXXX  XXXX {$590.00} XXXXXXXX   XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported my payment as late for XXXX but my payment was never late. I made my payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i visited XXXX XXXX in XXXX Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of 11 times. Which drastically lowered my credit score! Reading FCRA it states automobile inqiries within a 14 day period shall count as 1. XXXX, XXXX  and eqifax are all reporting each individual inquiry, which in turn harmed my credit score. I have already filed complaint against the dealership for going against my wishes. The time between XX/XX/XXXX to XX/XX/XXXX my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX! These accounts has violated my rights! Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX!! 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy. 

15 U.S.C 1681Section 604 AXXXX states that a consumer reporting agency can not furnish a account without my written permission.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

We need to complain that the   XXXX   Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with  XXXX  was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to  XX/XX/XXXX .At that time l was in Intensive Care a. We asked   XXXX   for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from   XXXX   unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.  XXXX  themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX /  XXXX   we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.  XXXX  agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )  XXXX  actions speak louder than computerized binary reports.On  XX/XX/XXXX   XXXX  took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. Your assistance is crucial in resolving these matters to protect my financial stability.
Product: Vehicle loan or lease

My billing statement from KeyBank for a car loan does not include the number of days in the billing cycle. It includes the interest rate, and amount of interest taken from my previous payment, but does not tell me how many days were in the billing cycle. The amount of interest charged is all over the place -- often increasing for several months even though my principal balance has gone down. Credit card companies tell me how many days of interest were charged, so I can go back over the past year to see if the number comes out to XXXX. With KeyBank, however, I am not given the information of how many days interest I am charged in a month, or a year. 

I think there should be transparency in lending, and they should give me a complete picture of how my payments are calculated each month. When I called them about it, they said they just don't do that.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My perfsonal information has been used to obtain goods and services. I contacted EQUIFAX and told them that this inquiries are fradulent and provided proof, even though told me that this inquiries were verifed. Please dispute and remove this fradulent inquiries from my credit report XXXX  XXXX XX/XX/XXXX. XXXX  XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting

I recently reviewed my credit report and notice several incorrect information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the allege debt validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt sent me forged documents ), XXXX XXXX XXXX ( never validated the allege debt has not responded to any notices ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor has the company added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau but I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent XXXX, Transunion, and XXXX notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the item being disputed : XXXX  which is a Student Loan which has never been past due but yet has been reported past due and impacted my credit score.
Product: Credit reporting or other personal consumer reports

After receiving m y credit report, I sent in documents challenging the accuracy of my credit file on XX/XX/XXXX. ( Certified Tracking USPS # XXXX ) XXXX, EQUIFAX, And XXXX reported all info on my credit file as verified, including accounts in collection. On XX/XX/XXXX I sent in for a review of your decision by requesting a reinvestigation. Certified Track USPS # XXXX. I am still waiting on help with these inaccuracies reporting I have not heard back from any CREDIT REPORTING AGENCIES or DEBT collection company. 


Pursuant to USC 15 1681A ( e ), This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.

Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). 

Please update all Late paymenst attached to any accounts that are reporting late on my credit file, pursuant to 15 U.S. Code 1666 - Correction of billing errors. 

The Deceptive information that you are furnishing is causing me much hardship. It is damaging to my reputation and general mode of living I m not get approved for anything I am damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letters regarding an inaccurate an unverified items on my credit. To this date XX/XX/2021 I have yet to receive any response. I like I am being taken advantage of an being ignored about my disputes. Section 611A it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been well over 60 days I demand those items are removed from my credit report immediately. Or I will be forced to file for litigation due to the stress you have caused me. My information was also impacted by the equifaxs data breach an may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts in collections that appeared only on my Equifax report XX/XX/2021. I have verified that neither is my account. One is a power company in New York, where I have never lived or established utilities. The other is for XXXX XXXX XXXXXXXX authority. I have never lived or driven in Texas. 

I confirmed with both companies that they have no accounts in my name either last or present. The tollway collection is under a XXXX XXXX, very similar to my name, but obviously not me. 

The debt collectors say they are unable to provide a letter showing I have no accounts or balances due with them, because they are not my accounts. They suggested Equifax may have reported incorrectly. Equifax is claiming they need letters from them to fix the reporting and that there is nothing they can do. Seems to me to be an Equifax problem since 2 incorrect accounts appeared the same day and only on Equifax report. 

Im in the middle of a mortgage process, this error is going to keep me from closing and is egregious on Equifaxs side. They have the power to literally destroy someones financial future with their mistakes. 

Please help me rectify this.
Product: Debt collection

I disputed this account via XXXX and the creditor removed it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was XXXX XXXX XXXX XXXX and was only released within the last six months. It is impossible for me to have opened or managed these accounts during that time.

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation.

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts.

Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report.

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights.

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me.

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX Account number XXXX 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. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Checking or savings account

I opened a High Yield Savings Account with XXXX XXXX on XX/XX/year>. ( I have multiple credit cards with XXXX, with a rapport spanning more than 25 years ). 

I opened a High Yield Savings Account with BMO Alto on XX/XX/year>. I've had both a retirement account for 6 years ( I am in the process of closing ) & another account with regular BMO for 12 years ( I closed today because of the disgusting incident described below ). 

I opened a High Yield Savings Account with XXXX XXXX  on XX/XX/year>. 

I am extremely established ; I have multiple open accounts & credit cards with multiple companies, in existence for more than a quarter of a century. Every account that I have is mine & solely in my name, all in great standing- until now. 

Out of left field, BMO Alto froze my High Yield Savings Account/website access & accused me of fraud. I called BMO Alto & spoke with a representative with a thick accent on XX/XX/year>, she asked if the XXXX XXXX High Yield Savings account was my account ( it is solely mine ) & requested a copy of XXXX 's XXXX XXXX XXXX  statement via their online portal from an email they sent me. I am overwhelmingly stunned, offended & taken aback. After I logged into the portal, I saw that my driver 's license has also been requested. 

Shortly thereafter, BMO Alto spewed lies defaming my character & sullied my name with XXXX XXXX. XXXX turned against me & blocked my High Yield Savings Account access with them, will not return my phone call to reactivate it & will not give any explanation or even so much as correspond with me regarding this matter. This is not a coincidence. 

I have provided BMO Alto with the information they have requested - ONLY to salvage my budding relationship with XXXX XXXX. 

It has been infuriating, outlandish, disheartening & has facilitated an embarrassing, tumultuous rapport between XXXX XXXX XXXX XXXX. BMO Alto 's actions subjected me to unjust bias, scrutiny & unnecessary discord, which has spilled over into my connection with XXXX XXXX. I want my money that BMO Alto is holding XXXX. XXXX XXXX  didnt treat me this way until BMO Alto disparaged me & muddied the waters. 

I realize this information will be shared with BMO Alto, I would like it shared with XXXX XXXX  as well. 

Thank You
Product: Prepaid card

I frequently purchase prepaid VISA gift cards in {$100.00} amounts form XXXX which is backed by US Bank. their website is www.prepaidgiftbalance.com This website if FREQUENTLY down. When it has been down in the past you could call customer service and they would register your card do you could use it online. This request was denied today.

If the website is the ONLY method the company is going to offer to register the cards, the it needs to be up and running 24/7.

I now have two cards totaling {$200.00} that I am unable to use for the purpose intended when purchased.
Product: Debt collection

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.