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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by TransUnion for the account XXXX with XXXX XXXX XXXX. Despite sending previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports a 30-day late payment in XX/XX/year>, a 60-day late payment in XX/XX/year>, and a 90-day late payment in XX/XX/year>. These reports are inaccurate, as all payments were made on time and the account was on autopay. 
Recurring Errors The persistent incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Chase Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Chase Bank for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

On XX/XX/2019 two charges one for XXXX and one for XXXX were charged to my card from card.com as soon as I seen the charges I called and asked for a stop payment on both I was told they could not do this and I filed a dispute of charges and was told they would mail a dispute form to my house which never came. On XX/XX/2019 I called card. Com to check on the status of the dispute the customer service person I talked to was unhelpful and would not listen to what i was saying about them not mailing my dispute form in which I was told I probably would never get my money back. This is the 3rd time there have been fraudulent charges made on my card with this company. I am only asking for the money which was taken off my card illegally without my permission to be returned and they are refusing to do that or talk to a supervisor so that I can resolve the matter.
Product: Mortgage

I applied for a jumbo loan on XX/XX/2024 and we had a closing date set for XX/XX/2024. Its the end of the day in XX/XX/XXXX. The underwriter was sent all information needed three times and claimed she did not receive them. When the loan officer sent over documentation with dates and times it was sent she agreed a mistake was made. Yet, she still pushes to not look at any documents for 48 hours. This has been escalated numerous times and finally made it to XXXX the VP of underwriting. Again that is what we were told. I am being charged {$730.00} per day this loan does not close from the builder amongst other fees from my contractors, etc. This is the most unprofessional company I have experienced in my life and they have the audacity to call themselves number one. They are number 1 of ignoring my emails, calls and request for something everyone deserves and that is transparency. They should not be in business ruining peoples lives. If we dont close in the next few days I risk losing my XXXX deposit and losing our dream home. I am here to explore all avenues and make sure you dont get away with this and prey on other hard working Americans. Shame on you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I began to repair my credit with a direct effort to secure a better FICO score. I began by paying off a loan with XXXX XXXX for {$4600.00}. I then acted to lower credit usage by paying down credit cards, lower credit utilization. I have not applied for any credit cards with exception of a XXXX XXXX late last year. If there are any inquiries on my credit report they should be deleted because they are not at my request. XXXX XXXX   reported the {$4600.00} as paid off on XX/XX/XXXX. For the months of XX/XX/XXXX and XX/XX/XXXX my FICO score was XXXX. XXXX XXXX provided FICO score each month included in my monthly statement. When I inquired on my XX/XX/XXXX FICO score, I learned that it had only advanced 5 points to XXXX. I called XXXX XXXX quite irate and they informed me that this score was provided by TRANSUNION. I spoke with TRANSUNION and they specifically stated that they could help if I made a payment to a subscription to XXXX. I was then directed to FICO where it was almost impossible to speak with a live agent. Being certified in the Fair Credit Reporting Act, I knew that my score rightfully should have been in the 700 plus range. I asked FICO to make the correction, the response was they would assist if I purchased a subscription. This is certainly consumer fraud and I request that my score be corrected.
Product: Checking or savings account

Back in XXXX I have filed a dispute with chime Bank Cause there was 22 different transactions made with XXXX. That I have no where of who did it and I did not authorize no transactions to be made. And he called out to be a total of {$870.00} and XXXX onebeen fighting this XXXX. Ever since then. Back in XX/XX/XXXX I had filed a complaint with you guys who guys had contacted them. Just on XX/XX/XXXX, look up lathe complaint was closed because they said that they had issued me my money of {$870.00} that day while they did it. They only gave me {$360.00} and XXXX centso. I'm missing my other half and now fighting. I had Uploaded the letter that they had to gave you sent. You guys and me one stating that they had gave me my money And also I had sent a A copy and email from them regarding that. They grant me the {$360.00}. Nothing about saying that they're the other half of the {$870.00} nothing. And the claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to TransUnion credit reporting bureau ( see attached letters and proof of certified delivery ) informing them of the incorrect reporting of an account that is unknown to me and that they were reporting both inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed TransUnion that I have attempted to contact this company but the contact information stated on my report is incorrect. I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This has been over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. I have received NO response from TransUnion regarding my dispute and the non compliance of the collection agent although I have sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. Both TransUnion and XXXX XXXX  XXXX XXXX XXXX have failed to comply within the 30-45 day time frame to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered on my credit report. Upon reviewing my credit history, I noticed several inquiries that I have no knowledge of and have never benefited from, nor have I applied for any of the associated credit accounts. I would like to request your assistance in investigating and resolving this matter promptly. 

The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. EXPERIAN XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX OF XXXX XXXX XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX NEVADA XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX NEVADA XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX BANK XXXX XXXX : XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX XXXX. XXXX CARD : XX/XX/XXXX I can assure you that I have not engaged in any of these activities, and these inquiries are unauthorized. This situation is highly distressing to me, as it may impact my creditworthiness and financial standing. I take my credit report seriously and have always maintained a responsible approach to my financial commitments. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with a detailed report of your findings. Additionally, I would appreciate it if you could remove these unauthorized inquiries from my credit report as soon as possible. It is of utmost importance that my credit information remains accurate and reflects only the activities that I have undertaken. 

Please keep me informed of the progress of your investigation and any actions taken to rectify this issue. You may contact me via the provided email address or phone number listed above. 

I understand the significance of maintaining the integrity of credit reports, and I trust that your esteemed organization will handle this matter with the urgency and attention it deserves. I eagerly await your response and resolution to this matter. 

Thank you for your time and understanding. 

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

I filed a dispute on XXXX XXXX XXXX XXXX to inaccurate reporting. Equifax denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company ( Equifax ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Equifax has not attempted to remove, nor correct any information. I'm requesting that this derogatory removed be removed or corrected immediately as its 's affecting my chances of getting ( house, car, etc. ). Equifax violates my right as a consumer, as well as federal laws
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Violation of Section 15 U.S. Code 1681o Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information on my credit report as provided by your bureau. I have reviewed my credit report, and I believe that the following information is incorrect : General Statement of Credit Card Debt. My limit on my Discover account is {$2000.00}. The account has been opened for over 2 years now. Interest charges change every payment for no reason. I havent used this card in forever and for some reason, it keeps going over the balance after payments have been made. 


Under the Fair Credit Reporting Act ( FCRA ), specifically Section 15 U.S. Code 1681o, it is required that credit reporting agencies properly investigate disputes. It has come to my attention that the information listed above is incorrect, and I have reason to believe it has not been investigated thoroughly or timely as mandated by the law.

According to Section 1681o, if a consumer dispute is not resolved properly within the 30-day period, or if inaccurate information remains on a credit report due to a failure to investigate, the consumer has legal grounds for action. As such, I request that your agency take immediate action to properly investigate the dispute and rectify the erroneous information on my credit report. 

I respectfully request the following actions : A thorough investigation of the disputed information and the documentation you have on file. 
Correction of the inaccurate data, if found to be incorrect, or a detailed explanation of why the information is deemed correct. 
A prompt update to my credit report to reflect the results of the investigation. 
Please provide me with written confirmation of the resolution of this matter. If you fail to resolve this dispute in accordance with Section 1681o of the Fair Credit Reporting Act, I will consider pursuing further legal action and reporting the matter to the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by law. 

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

Account XXXX : XXXX Reason : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) and 15 U.S.C. 1666c, any information disputed by a consumer that is found to be inaccurate, incomplete, or can not be verified must be promptly deleted or corrected to reflect accurate information. Additionally, there is a clear discrepancy between the reporting by Experian and XXXX. Experian has reported a XXXX late payment for XX/XX/year>, while XXXX reflects all payments as current with no late marks for the same period. This inconsistency suggests a potential error in reporting by Experian that needs to be rectified.
Product: Credit reporting or other personal consumer reports

Medical debt account less then 1 year old being reported on my credit as collections : XXXX XXXX XXXX {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Attorney and I requested proof of ownership after CFPB Vs. S.N.A.A.C. ( CIVIL ACTION : 1:15-CV-401-WOB, 2017-CFPB-0013 ) was settled and XXXX XXXX XXXX XXXX XXXX  closed their doors . They failed to provide proof of ownership over the Title and Loan. At a later date they sent a modified contract with their name as the beneficiary of the loan, falsely removing " XXXX XXXX XXXX XXXX XXXX '' from Original Contract and replacing it with " XXXX XXXX XXXX ''. Thus creating a fraudulent document. XXXX XXXX XXXX has been sent a cease and desist letter on two separate occasions. They failed to comply and caused further damage to my credit report. They threatened to repossess the car while I was XXXX XXXX XXXX XXXX XXXX  and did not comply with The Service Member Relief Act.
Product: Debt collection

On XX/XX/XXXX of XXXX  I began utilizing XXXX XXXX home internet. 
I was dissatisfied with my service and on XX/XX/XXXX of XXXX  I requested the account be closed & my services discontinued. 
On my call to end my services I was instructed to wait for a return kit to arrive via mail. A month later, I called saying that I did not receive a return kit. They let me know the kit would be re-sent. 
Two weeks after that call, I did not receive the proper return kit, and instead received a return kit for a tablet. That would not be safe to return the device in. So I called and indicated I did not receive the proper return kit. 
Eventually after playing phone tag and requesting the return kit multiple times, I received the proper return kit. Within one month of receiving the proper return kit, as specified within their return policy, I returned the device in excellent condition. 
I continued to be harassed with collection attempts despite doing everything in my power to return the device in a timely manner. I've been given a number of reasons and excuses for the continued harassment to include the following : - The XXXX warehouse has made a note on your account that the device has been received, but has not actually updated the device to be received and that ticket needs to be updated before the debt can be erased - The debt was transferred to MRS and XXXX is no longer responsible for the debt collection - XXXX needs to update their system before MRS can eliminate the debt. 
- MRS should be able to eliminate the debt because of the notes that are in the system.

( After being told this, for five hours I was being bounced between departments and everyone was saying they couldn't help me. ) And most recently I was told " The device was not returned within 30 days of the service discontinuing '', which would have been impossible because I did not receive the proper return kit within thirty days. 

I've been told numerous times that I am all good and the debt should go away in the next billing cycle. It has yet to happen. It's causing me so much undue stress and irritation, I just want it to stop. Please help.
Product: Credit reporting or other personal consumer reports

there are loans and credit cards that don't belong to me my information and cards was stolen i have police report when it happen because they took out my bank and they took my id ss and open credit under my name these accounts not mines. i keep trying to dispute and they keep putting back on my credit also a lot of hard inquirs n there thats stoping me from get my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with all three credit reporting agencies, that they are inaccurately reporting the following inquiries that I am not familiar with or not mine ( did n't authorized the hard pull of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX, 2016 and XXXX XXXX, 2016 XXXX and the 30 day later notice of : XXXX XXXX XXXX. Not accurate or mines. 
A certified mail was sent to the above mention, as of date, I have n't receive any response and the information is still being report, that impacting my ability to obtain further credit. Without Prejudice
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 U.S.C 1681 FAIR COLLECTIONS & O. XXXX XXXX XXXX XXXX XXXX  report transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i went to Sams club to open up a membership. The cashier was in a rush and frustrated because the register XXXX were not working. She very fast started explaining the benefits to the regular membership and the plus. I went for the plus membership since it seemed like the better option. A few days later i got a notification from XXXX XXXX  saying i opened a credit dual card and i was not aware that what i got was a credit card. I do remember the cashier telling me to input my social security and annual income and that i could lie on it that it dosent matter and she dosent know why it asks. So i figured it was just a policy for me to input both but now it affected my credit score and i did NOT want a credit card nor did I know i was applying for that.
Product: Credit reporting or other personal consumer reports

My name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION! 

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Product: Credit reporting or other personal consumer reports

According to Federal law 15 U.S.C 1681, these agencies are not permitted to report inaccurate information! There are multiply addresses for me on my credit file. Only one is accurate and current. The need to be removed immediately to ensure the my consumer file is accurate and up to date. I have no delinquent accounts that should be reporting on my file. All of my cards are paid with less than 30 % utilization. There multiple incorrect names on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.