23daVinci/CFPB_Complaints huggingface dataset:
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 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 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 : Reason for Dispute : The payment was made on time, but it appears that there was an internal processing delay that caused the payment to be recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
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.
Product: Mortgage

I sold the property on XXXX. 

The title company sent excess funds to LoanCare. 

I called Loancare on XXXX to request a refund of the overage. 

Loancare informed me that it would be at least 20 days until they could refund the overage because they had processes to complete. I asked the representative to explain what processes they needed to complete, she said, I don't know if they do anything, they just tell us to say at least 20 days. 

I'd like a refund of the excess charge of {$110.00} Property Address : XXXX XXXX XXXX XXXX XXXX MT XXXX Loan Number : XXXX 2.750 % Interest Rate {$0.00} Current Balance {$260000.00} Original Loan Amount XXXX/XXXXXXXX Maturity Date
Product: Debt collection

XX/XX/XXXX - received call from Pro Collect - asked for debt validation letter and for supporting documents - gave new address to be sent to XX/XX/XXXX - received a mark on my credit report without receiving a notice or documents I asked for previously - Called them and tried to see what happened - They agreed if I paid over the phone, they would take it off my credit report - I paid the debt in full with that agreement that I would receive a letter saying the debt was paid in full and that they would remove it from my credit report by the start of the next month. 

XX/XX/XXXX- They have still done NEITHER of those things
Product: Payday loan, title loan, personal loan, or advance loan

Giving the period of time I have already been affected 15 U.S. Code 1666a, 15 U.S. Code 1666b, 15 U.S. Code 1666c are not being meet According to the Consumer Financial Protection Bureau. I simply and humbly ask that Kovo Inc info on My Consumer Report and My Credit Report shows the status as current and stop negatively impacting my credit report with inaccuracies. To whom it may concern ; Please and Thank You in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 a settlement was agreed on this case and the case was settled for {$1500.00}. Therefore the {$5500.00} shall be remove from my credit report since an settlement has been agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's information that's on my consumer report that is a result of identity theft and fraud. I did not provide permission to anyone to TRAFFIC my personal identifying information that is being reported on my consumer report. Also I have the right of privacy as a consumer. And my privacy rights has been violated.
Product: Checking or savings account

My husband name : XXXX XXXX My Name : XXXX XXXX Complaints to citiGold/fraud department at Citibank. 

We have had our citigold account for many years. In XX/XX/year>, someone stole our money about {$15000.00}. We reported it to the fraud department, and called citigold, and went to XXXX different local branches. We spent hours and hours on the phone with different agents from citigold, fraud department etc. 

After XXXX  days of investigation, we received the bank statement stating we owed citigold {$15000.00}. We are promised to be reimbursed yet nothing has been done. 

It is very easy to identify the fraud on the account in the XX/XX/year>XXXX XXXX  statement : Many {$400.00} withdrew XXXX after another. 
Many {$500.00} withdrew on after another. 
{$5000.00} XXXX withdrew. 
{$200.00} withdrew It does not seem Citibank has any intentions to reimburse the stolen money. There are a lot of articles online stated citibank refuses to reimburse clients with stolen money. XXXX article states that Attorney General sues Citibank for the same reason on XX/XX/XXXX, XXXX article is here : https : //ag.ny.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We need your help to get our stolen money back. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for incorrect information to be removed & blocked from my credit report. FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX, ve already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, BK OF AMER XXXX Date Opened XX/XX/XXXX Balance {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent to Experian, XXXX and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. Experian keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that Experian is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX XXXX XXXX, acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXXXXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.
Product: Credit card

Since going on medical leave and unable to keep up with payments, have been getting robocalls from XXXX different numbers at least XXXX times per day, from both numbers, which amounts to up to XXXX calls per day including weekends beginning at XXXX Also have been getting emails about once a week. When attempting to answer the emails, they are 'donotreply ', and must go to website. I find these practices offensive and would like to simply answer an email. This is the first and only default on this account, and have been discouraged from answering in writing and being bombarded from calls almost every XXXX minutes on a daily basis, from XXXX creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to TransUnion requesting that the XXXX/XXXX  account reflecting on my credit report be removed due to the inaccurate payment history reporting on my credit report. On XX/XX/2020 I sent another letter in response to the update they made which was still incorrect. They removed one of the inaccurate late payments ( 2 still remain ) and then changed the status from closed to charged off. This account was never charged off as it was sent back to  XXXX for servicing and they are currently reflecting the account on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged ontoXX/XX/XXXX to verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XX/XX/XXXX is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on XX/XX/XXXXis XXXX, on Equifax is XXXX, and on XX/XX/XXXX XXXX. 

On XX/XX/XX/XX/XXXX I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/XX/XX/XXXX after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX  Account Number : XXXX
Product: Checking or savings account

I called again today and the phone team still says there is a computer error and they can not provide answers. All i wanted was my account balances. The savings account was allowing me to access it earlier in the app but now will not either. I mustered up enough energy bc of a physical XXXX that you all constantly exploit. I am in physical pain every minute i am on the phone due to a car crash. Your offices routinely place me on extremely long hold times citing computer errors since knowing this and my last complaint. This was after last weeks fiasco on the phone as well. 
Please respond in writing. Thank you. 
I called from phone : XXXX XXXX XXXX. I couldnt of been any nicer or more polite to mya. I called your company at phone : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM XXXX XXXX XXXX  Ive notified the police in reach out to the company in no action has Been taken
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/year> and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with Specialized Loan Servicing is not reflecting that it is paid off on my XXXX report and I recently tried to contact Specialized Loan Servicing to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crime 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.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company Fair Collection and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX could not verify a invalid debt that was put on all three of the credit agencies preventing me from obtaining housing and credit to better my life. They couldnt verify the debt.
Product: Checking or savings account

1. On XX/XX/XXXX i made a purchase of {$950.00} with my wells fargo checking account but received the wrong item so i sent it back but the merchant wouldn't credit me so i filled a dispute on XX/XX/XXXX and submitted everything they needed, Proof of delivery, Tracking information, invoice. But on XX/XX/XXXX they initiated a reversal and wont let me appeal it because its time frame to do so has expired, they lagged when doing this investigation on purpose so they could use that excuse 2.on XX/XX/XXXX i made a purchase of {$1800.00} but received my order damaged, the merchant just wouldnt respond so i sent back the package using the shipping info provided on the initial shipment, still the merchant wouldnt respond regarding the pending credit so i filled a dispute with wells fargo on XX/XX/XXXX and submitted the tracking info, proof of delivery, and photos of damage. the claim credit was just posted as a reversal on XX/XX/XXXX and again well fargo says they cant appeal because of the window provided by them thus again shutting down any attempt to reclaim my lost funds
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( XXXX  ) business days from the date of receipt of this letter. 
Account Name : Discover Account Number : XXXX Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : World Acceptance Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX account XXXX and account # XXXX violated my rights 15 USC 1681 602 A states that I have the right to privacy.

15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. 

If you have any questions I can be reached at XXXX XXXX XXXX
Product: Credit card

Capital One advertised it 's SPARK credit card as " ..the opportunity to build and strengthen credit for your business.. '' ( I have copies of the web pages from XX/XX/XXXX & XX/XX/XXXX ) This statement and benefit was advertised on it 's website as recently as XX/XX/XXXX. XX/XX/XXXX, on we applied for a SPARK for this very purpose. We provided XXXX name and the XXXX for our business. 2 years later, after many calls to Capital One and being told repeatedly that they report credit for XXXX as well as the primary cardholders personal account, we were finally advised - truthfully - that SPARK does not report to any business bureaus and only reports credit under the personal SS # of the primary cardholder. Our company, XXXX XXXX XXXX, XXXX has just wasted 2 years only to learn that by using the SPARK card we have not built or strengthened XXXX ' credit at all. This is not a business credit card. It is a personal credit card that allows the cardholder to include a business name on the face of the card. If we had been told the truth initially when placing the application, we would not have requested this card. I have personal credit cards. This has caused harm to our business as we now must start over and find another company and because of lack of credit history we are not able to obtain important tradelines for XXXX. Both XXXX and SBA counsel small businesses to establish separate tax ID numbers for businesses in order to establish credit in the business ' name. Capital One takes the business name and business tax ID information and then ignores it. This is misleading and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX  XXXX {$3200.00}
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft the credit bureaus will not comply and delete all the accounts that were fraud I have not applied for any account and I have a police report regarding this incident so hopefully the credit bureaus will remove all of the accounts from my report my score Was XXXX before all this took place
Product: Checking or savings account

I opened my account with US bank on XX/XX/2023 with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX trying to access to my online banking and is giving error, I cant access. 
I sent XXXX emails to XXXX to see what is going on and how to fix it, but she is not answering.