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

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATE AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : XXXX  Mortgage Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : 1 ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Product: Credit card or prepaid card

I have a credit card with Old Navy, where my credit limit was {$800.00}. In 2021, I made a purchase in XXXX and XXXX. I just looked at my credit report and see that they decreased my limit from {$800.00} to {$200.00}. I have always paid my bill on time, and over the minimum amount. It should not matter that my overall score went down, when that has not affected my payments at all. In fact, my score went down because they decreased my limit. I called Synchrony, and they were not helpful and would not reinstate the previous credit limit.
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. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care and no ever response or responses receive, I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

You have successfully submitted your complaint! 
A message has been sent to you with instructions on how to track your complaint. 
ID FOR COMPLAINT SENT TO TRANSUNION LEGAL DEPARTMENT XXXX ID FOR COMPLAINT SENT TO XXXX LEGAL DEPARTMENT XXXX I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I was new to the country, I was so happy that I got my paper and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information. 

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues.

I have been harmed, discriminated and it's hurting me and my family.

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is XXXX, transunion XXXX. They are putting a name on my credit report that's not mine. My name is XXXX XXXX, not XXXX XXXX. They're saying that XXXX XXXX is accurate. That's not my name. I sent them my Driver 's license with my name on it. That's identifying me. But they're refusing to correct it. I want it to be Immediately removed and corrected on my credit report. I want my true name on my report and no other name that's not mine. I also want to be compensated for this dispute. Because I'm trying to get a mortgage and it's causing me problems to do so. I want to be compensated {$1000.00} for there disregard of my credit report and my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX Correct and Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) po box 27170 Washington, D.CXXXX XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to formally dispute incorrect information reported on my credit report. On XX/XX/XXXX, I contacted all three credit bureaus regarding inaccuracies, but as of today, XX/XX/XXXX, I have not received any communication confirming the removal of this incorrect information. 

Credit Report Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Last 4 of SSN : XXXX I am demanding the immediate removal of all incorrect information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. Section 609 ( 15 U.S.C. 1681g ) mandates that consumers have the right to obtain all information in their files at the consumer reporting agency, including any inaccuracies that may be affecting their creditworthiness.

Additionally, Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputes and to remove any information that can not be verified. As I have disputed this information and received no response, the agencies are in violation of the FCRA.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from misleading or inaccurate information. As such, I am requesting that you ensure all reporting agencies comply with federal law by conducting a thorough investigation and removing any unverifiable information from my report.

Please confirm receipt of this letter and provide documentation regarding the actions taken in response to my disputes. I expect the inaccurate information to be addressed immediately, as mandated by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars for an XXXX XXXX deposit that was advertised on XXXX XXXX on XXXX XXXX to XXXX XXXX, his fake name is XXXX XXXX and I have the documentation and messages to prove that he scammed me for that deposit for the car. I filed a dispute twice with XXXX on this particular issue and they rejected me, I'm a XXXX XXXX and studying plus saving up for loans is a hassle, so any type of restitution back would be great! Please help me with this issue, thank you! 

XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX  credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX BANK XXXX XXXX  XXXX Balance : {$390.00XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX BANK XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

after recently review of my credit report i noticed unauthorized credit inquiries, i did not authorize please delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year> I was notified by XXXX that the U.S. Department of Education ( ED ) will transfer the customer service of my federal student loan account to EdFinancial on XX/XX/year>. Typically, my loan payment is due the 3rd of the month ( today ). As of today, the loan has not transfered to EdFinancial and it is no longer with XXXX. This is completely unfair that my debt is outstanding, presumably accruing interest, and I have no way of paying it, all due to the poor management by the Department of Education.
Product: Payday loan, title loan, or personal loan

in XXXX XXXX on XXXX or XXXX money was taken from my account and i called and spoke to XXXX at the store on XXXX and told her that she had processed the payment to early which cost me an overdraft fee, in XXXX XXXX the same thing was done i told this manager that the previous manager would always call if they are taking the payment earlier and she said that she is not going to do that. and she doesnt call and remind me that the payment is due or will be coming out and this is what i was used to since i began business with fast bucks. In XXXX i told not to take money from my acct untill the XXXX XXXX each month. I have overdraft fee again as they have taken XXXX today XXXX/XXXX/XXXX i called the call center and this girl tells me that she has to pull my contract but she is in another state and im pretty sure my contract is in XXXX XXXX XXXX so I am making it official I no longer wantt you guys taking my money she says that collections XXXX XXXX XXXX proceed as normal. and the actual store person will not answer the phone. the last time that i had an issue with XXXX she stated that she would have her boss call me but that call wasnt recieved and she stated that he called but he didnt .. my encounter with this new manager and fast bucks continuously make me regret doing business with them. i told the person at the call center today that fast bucks can no longer take money from my account .please help me to settle this matter she seems XXXX think that she can take money from my account XXXX  she feels like it and she is very rude.
Product: Debt collection

I talk to XXXX college about not be able to attend school years ago on the behalf of not having wifi to take the courses. They didn't believe me enrolled me and still charged me. After I had told them that I wasnt able to attend at that time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting me a Wrong late payment in my credit report... they mus to provide this late paymentv as mine... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/ 2024 my bank informed me by email that a hold was put on my account. I received my social security benefits on this account. I still have not received a call back from the the Law firm Pressler and Pressler. I called the Sheriff dept they also informed me that the account should not have been withdrawn since SSI benefits are exempt.
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES ARE FRAUDULENT AND DOESNT BELONG TO ME AND NEDD TO BE REMOVED. ALSO THE XXXX AS WEL. THANKS. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

They are charging me late fees on a zero balance. 
I tried to pay off the balance but XXXX XXXX hanged up the phone call.
Product: Mortgage

Since my husband 's death our 100 % satisfied paid off mrtg and canceled line of XXXX For him only has been transferred due to wrongful foreclosure to all the below. I am still in superior court again w 3 motions on file. XXXX XXXX, XXXX XXXX, XXXX on line, XXXX XXXX XXXX and XXXX, Mr cooper nationstar. This is ridiculous. I mailed motion ccrr to magistrate asking them to vacate and withdraw the erroneous judgement in XXXX County and they attempted to return to sender. Had to complain to post office ig. XXXX roulette ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX. # XXXX # XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received a written collection notice from a 3rd party related to a membership with XXXX XXXX XXXX on XX/XX/XXXX. This is the first time I have received any written notice regarding a balance due with XXXX XXXX XXXX. The membership contract for this gym had expired several years ago and I have not entered into any new contract with this gym nor have I access any of their facilities since XXXX.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX XXXX XXXX  This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a balance of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.