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

This letter is a formal complaint that you have reported erroneous and incomplete credit information. I am concerned that you have included the following information in my credit profile and have failed to follow reasonable processes in your operations to ensure the highest possible accuracy in the credit reports you publish. Credit reporting rules require bureaus to provide only 100 % correct credit information. Every step must be taken to ensure that the information supplied is entirely accurate and proper. As a result, the following information requires more investigation.
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding inaccurate information being reported on my credit report concerning the XXXX XXXX XXXX account. Specifically : The charge-off status is inaccurate, as the balance was paid in full by my insurance company, and the account was considered closed. 
Late payments are being reported after the account was resolved, which is incorrect. 
These inaccuracies are negatively impacting my credit standing, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. 

The balance for this account was fully paid by my insurance company on XX/XX/year>, and the account was closed. However, the account is inaccurately reported as charged off, and late payments are being listed after the account was settled. These inaccuracies misrepresent the true status of the account. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies, including Experian, must maintain reasonable procedures to ensure the accuracy of the information they report. By failing to correct this inaccurate reporting, Experian has violated these legal requirements, which has caused harm to my credit report and overall financial standing. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute any inaccurate or incomplete information on my credit report, and Experian is obligated to conduct a thorough reinvestigation of this matter.

Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA holds Experian and other responsible parties liable for damages caused by inaccurate reporting, including actual damages, attorneys fees, and costs of action. I request that the CFPB ensure Experian 's compliance with these regulations and assist in resolving this matter. 

If this matter is not resolved within 30 days, I will explore additional legal remedies to protect my rights under the FCRA, including seeking damages for the harm caused by these inaccuracies. 

Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft, these accounts do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company sent my renewal card to wrong address. My existing card expired. I called the XXXX XXXX XXXX XXXX XXXX and they do not have the account closed. The new card has been reissued to correct addressand should have a a few weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan is reporting late payments on my report but i was in forbearance it litterally goes from nothing being reported to being 120 days past due or even 90. and they are not being reported correclty if i was in forebearnce how could i have late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick correction or deletion of the following items : 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 or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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 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.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX 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 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 XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

this account does not belong to me they keep placing an accurate information on my account
Product: Mortgage

There appears to be a resolution miscommunication between Consumer Financial Protection Bureau ( CFPB ) and Nationstar regarding my complaint ( case # XXXX ). In the email I received from CFPB today ( XXXX XXXX ), you indicate Nationstar has provided a partial response to the aforementioned complaint with steps taken so far to address my issue and I should hear from them within XXXX days. After viewing the response, Nationstar indicates they will respond within XXXX days from the date of the letter ( XXXX XXXX, XXXX ). The company 's response does not identify any steps taken as per your message when the path identified in your Auto-Response section is clicked. You are directed back to the 'Complaint List ' without any additional information. Nationstar has a designated time-frame in which to respond and make corrections to this problem as per CFPB regulations. Your email states within XXXX days and Nationstar states within XXXX days - which is it? Nationstar also sent a letter which arrived at my residence today ( XXXX XXXX ) and dated XXXX XXXX, XXXX indicating they would respond no later than XXXX XXXX, XXXX. I am terribly confused and wondering why there are so many mixed messages regarding resolution. Since there are mixed messages regarding the complaint, I would like to change the dates in my original submission indicated in the 'What happened ' section - XXXX XXXX should be XXXX. Also, in the 'Desired Resolution ' section, the XXXX and XXXX XXXX should be XXXX and XXXX XXXX. The mistake made was a typographical error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an updated TransUnion credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to TransUnion detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After TransUnion conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was TransUnion able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my TransUnion credit report. This is my final attempt at a resolution with TransUnion regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
Product: Credit card

Hello, This is actually a huge complaint. XXXXXXXX XXXX  XXXX XXXX card from start to finish has been a horrible practice/experience. The representative didn't use my address, so my card got sent to the wrong place. When I tried to call to get that corrected, they wanted me to verify information, which I did ( lived here, etc ) then they said they needed mail/pay statements/etc to fix the error that their representative made. The store couldn't help me prior to that, so I didn't understand why it was so complicated. 

I finally escalated and got them to cancel and then they could magically change the address without the further intrusion on excessive needs of my privacy details. 

I mailed a check on XX/XX/16 and my bank verifies they received it on the XXXX. They haven't cashed it but I did send it. 

I informed them this on one of their calls that was excessive. 

They call sometimes every 45 minutes. Use like 10 phone numbers. I mailed in my payment and they have been harassing me. I work overnight, so I don't sleep right, so it's hurting my work. 

I call today, upset bc I missed 4 calls by XXXX XXXX. The representative yells at me for being upset and calls me names. Threatens to not help me but transfers me to a representative that does help me enough to submit a claim to see if they can take my payment. 

I XXXX percent trust them to pay on their system. 

I want to get a lawyer and sue but also don't want the complications. I am very tempted at this point and am resisting the urge. I wanted to at the least, file a complaint, because that was unacceptable.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a call and a voicemail from a woman claiming to have issues with a Bank of America prepaid card in my name. Now, I bank with Bank of America, so immediately was concerned about the status of my account or if there was a problem. I called the number back and it was now a man asking for my first and last name, which at first I had no problem giving. However, then he asked for my social security number, which I thought was a part of the process so I gave it. He asked for my social again, and after hearing the shakiness in his voice, I realised that it was a scam. I am currently worried that he might've heard enough of my information to do something with it, and I was writing to see if there was any way of checking this or filing a bigger report.
Product: Debt collection

I have received multiple calls from this agency looking for a XXXX XXXX. I am not XXXX XXXX. I have corrected them on this multiple times when they have called, but today they stated that I am the correct person and it was n't for XXXX XXXX. They could state who the bill was from " XXXX XXXX '' but not what the bill was for. They threatened to send the bill to my credit report if it was not paid by XXXX today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Money transfer, virtual currency, or money service

It's XX/XX/XXXX. I received a fraud through phone call and transferred XXXX dollars and XXXX dollars to someone unknown through my bank of America XXXX account. I called the bank and they filed a report for me but can not guarantee they can stop the account for the scammers or stop the transitions. And I also called polices. But they can not give me a solution so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX 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 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

made a complaint on XX/XX/20, they did not verify for accuracy or reply to my dispute.
Product: Credit card or prepaid card

XXXX, XXXX, and XXXX of 2020 I was unable to pay my credit card bill due to being laid off because of the corona virus pandemic. I wrote a letter to the credit card company explained my situation and asked them to remove the late payments on my credit report. They did not respond to my letter and didn't remove the late payments from my credit report.
Product: Credit card

I brought my XXXX to XXXX to do a transmission flush and filter change and my vehicle was leaking transmission fluid on my driveway. I called XXXX and they said to bring the vehicle in. I brought the vehicle in and they put it on a lift and said it was leaking transmission fluid and that it wasn't caused by the work they did on the vehicle. I said my XXXX was not leaking any fluids until they did work on it, and they said if I want I could bring it back if I wanted them to fix it at a cost with XXXX denying that the leak was caused by them. The next day I took my XXXX to XXXX and they said the transmission fluid was over filled and leaking threw the vents. I called XXXX and said it was over filled and they said I can come in and talk with them about it. I then went to XXXX after leaving XXXX and gave them a copy of the paperwork stating it was overfilled with photos of the over filled dip stick and Fords manual with the correct level of the dip stick witch was provided by XXXX and the guy in the shop said I don't know what that paperwork is that XXXX did not over fill it and to leave their shop and stop calling them. I then made a dispute with Wells Fargo and sent them the same letter of referencing what happened along with the bill from XXXX stating that the transmission was over filled and leaking and and provided them with XXXX photos of the overfilled dip stick with their manual stating correct level providing Wells Fargo with all the evidence That XXXX was negligent and messed my vehicle up and need repair.
Product: Vehicle loan or lease

On XX/XX/XXXX I requested some assistance from Toyota Financial due to medical bills that have been piling up. I went on to their website and requested a payment extension through their support center. Toyota responded to me on XX/XX/XXXX saying it had been approved and stated my next due date is on XX/XX/XXXX. I received a call being told I am XXXX  days past due and I shouldn't be. I should only be XXXX days past due and I planned to make my payment on XX/XX/XXXX. The agent I spoke to was not actively listening and not validating the incorrect info.
Product: Bank account or service

This is to inform you that over XXXX customers who have come to XXXX XXXX XXXX in XXXX in the past year or so and ate or had a drink are being charged XXXX from their accounts on a single day. The fraud in this restaurant is massive. I personally was charged over {$2000.00} in XXXX XXXX and on XXXX XXXX, I was charged again another {$1200.00}. This happening to lots of people. The management is saying XXXX XXXX, XXXX. a credit company is doing this. My bank is saying XXXX XXXX XXXX is doing it. I have filed a police report with XXXX Police Department. We need your intervention. 
Please help stop this menace.
Product: Credit card or prepaid card

On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated that my " statements have been set up to be delivered electronically '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, twice, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing for paperless again without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.
Product: Checking or savings account

I have ben a member in good standing of USAA for over 20years and former servicemen. 

On XX/XX/XXXX received a letter advising that I am using my account for business transaction. Indicators for business transactions were " Deposits in the name of the business '' I don't recall any deposits in the name of the business being made. No supports were given. 

On XX/XX/XXXX received a voicemail asking about possible business activity on my personal checking account with USAA. 

XXXX XX/XX/25 I returned the USAA call at phone number XXXX, and talked to Mr. XXXX XXXX ( spell ) and answered / clarified all his questions and deposits. He was satisfied and said if any other questions or concerns they would contact me. 

XX/XX/XXXX - My wife with her kids tried to withdraw cash from a ATM but was unable due to the account being closed. I called a USAA rep and asked to speak to a supervisor. 

XX/XX/XXXX I talked to Mrs. XXXX and she reviewed the file and said the account was closed. I gave her all my info ( recapped above ). She would follow up with me on the follow day ( XX/XX/XXXX ). 

XX/XX/XXXX received a follow up call from Mrs XXXX and she said a letter was mailed to me on XX/XX/XXXX Friday that they would close my account due to business transactions. I never received this notification or any other communication whatsoever since XX/XX/XXXX. 

I asked Mrs XXXX to send me the letter via USAA documents on line. Which I attached to this file. 

XX/XX/XXXX - I've asked Mrs. XXXX to escalate this and to speak to XXXX XXXX, Genal Manger, Deposit Experiences whom sent the letter closing the account.. 

I was advise this area of the bank was not for members access but Mrs XXXX would try and escalate accordingly. 

As of XX/XX/1600 hours No call back or details on how I can ask my questions as to what supports they were looking at. I have my money locked with a promise of a " check in the mail ''. 


+ Keep in mind, Friday XX/XX/XXXX is the letter saying they closed the account. ( See attached file ). This was mailed to my home.. I have not received this letter due to the fact it was mailed Friday the XXXX and the weekend, I only learned of the account closing when we tried to withdraw money. Not affording me ANY time to move my money or set up a new bank account so I can pay my bills or deposit my pay. I have checks and other deposits coming to my account that  will not clear and bills that will not get paid. I did not receive notification prior to closing the account. I will incur fees, possible credit reporting issues and other associated items due to the banks improper notification or providing supports for closing my account. 

As a former service man I am astonished of the lack of supports, reason and communication on this subject matter. It has basically been once sided with no means of me to speak with a manager in charge of the decision process. For a bank that services the service women and men and advertise loyalty and support. - this is so far from the truth with regards to this issue. 

We are at a loss.