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

XX/XX/XXXXXXXX  Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX  XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my XXXX XXXX  XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC 1666 ( b ) ).

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA.

Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting.

Under the FCRA, sections 15 U.S. Code 1681i and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline liability for noncompliance.

Summary of Errors and Discrepancies Across All Bureaus : Late Payments : TransUnion : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are inaccurate. 
XXXX : Similar late payment errors as TransUnion, with reports of 30, 60, and 90+ day late payments during the same timeframe. 
XXXX : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only TransUnion provides a closing date ( XX/XX/XXXX ), while XXXX and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : TransUnion and XXXX show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request TransUnion to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within 30 days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am the executioner of an estate that has a JPMorgan bank account. I have communicated the court order to JPMorgan Chase online and I have sent the court order to a local branch. It is past a month and JPMorgan is giving me the run around of granting me access to the respective account. This is causing tremendous delays in performing my duty as the executioner of the estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Checking or savings account

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning Capital One 's inability to process deposits from my employer and other incoming funds. Capital One has attributed this issue to technical difficulties, which may contravene the Electronic Funds Transfer Act that mandates prompt access to funds. This situation raises significant concerns regarding consumer protection laws, and I kindly request your assistance in investigating this issue to ensure the safeguarding of my rights. Thank you for your attention to this matter.
Product: Debt collection

Requested of the collector to : Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as Equifax investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.
Product: Checking or savings account

Update on XX/XX/2024 ... 

I have recived a call from a wellls fargo represetive who informed me that they would be sending me a check with-in XXXX weeks, and that they HAD given notice about my account closure 9 months prior to them actually closing my account. As far as my money is concered i dont have it or have access to it. Why cant they just send me my check overnight? Wells Fargo had not resloved anything and needs to make myself and their other constumers a actual priority.
Product: Checking or savings account

After XXXX weeks of hearing from everyone I called and called me, asking for me with my full name you need I'd we can't help you it's for your protection over and over, I'm in a mental hospital right now because of the incredibly overwhelmed and confusion of my bills not being paid, but mysteriously my account is open and like usual it's short, on XXXX XXXX my balance was XXXX I haven't used my debit because it was shut down now I'm in XXXX XXXX XXXX XXXX XXXX ca XXXX after all that absolutely nothing I can do without a I'd and it just popped open XXXX bucks short, and there is absolutely no way to lie out of this my statements says XXXX amount the day they shut it down, I did not use my card and now it's XXXX dollars short
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in violation of the FDCPA section 807. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX Accounts XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by Accounts Receivable on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following accounts with XXXX, XXXX and Transunion for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.
Product: Payday loan, title loan, or personal loan

False Advertising and Bait and Switch by Bank of the West. 

On or about XX/XX/2018, my husband and I applied for a home equity line of credit. We were told that, as a line of credit, it can be used for any purpose now or in the future. I informed the loan agent that the purpose of the line of credit is to pay off my solar debts for my house and for my daughter 's house which is around {$80000.00}. I was quoted an interest rate for a {$100000.00} line of credit and a lower interest rate for a {$150000.00} line of credit. I told the loan agent that I was interested in the lower interest rate and, therefore, started the paperwork for a {$150000.00} line of credit. 

On XX/XX/2018, I received an email from XXXX XXXX stating that we were approved for the {$150000.00} line of credit to pay off the solar debts and my car loan. I emailed back stating that the interest rate of my car loan is less than 1 % and that it would not make any sense to pay it off at an interest rate of over 5 % and that the condition they are imposing is unreasonable. I was told that unless I pay off my car loan with the money from the equity line of credit, then they are only approving a {$100000.00} line of credit at a higher interest rate. 

A line of credit is a preset amount of money that a bank or credit union agrees to lend the borrower. The borrower draws from the line of credit WHEN NEEDED up to the maximum amount. Interest is on the amount borrowed. Bank of the West is falsely advertising this offer as a line of credit. It is not a line of credit when the borrower is forced to use the money for a purpose that is not needed and then threatens borrower with a penalty of a higher interest rate if the condition is not met. Bank of the West wants to switch the loan to a higher interest rate to get more profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to remove gradient account from my Experian credit report. According to fair credit reporting act, any inaccurate information must be removed from credit report. I have not signed contract electronically from XXXX finance. Also address on contract does not match with the address on my identification.
Product: Debt collection

Today ( XX/XX/2022 ), I had received a text message from Harris & Harris supposedly a debt collection firm for the State of Maryland, XXXX requesting me to pay for services. I had not received using the name, XXXX in the text message including using my official cellular telephone number XXXX to pay at " XXXX '' or click this link to pay at " XXXX XXXX XXXX ''. In which, I had not received any medical services at any of the State of Maryland, XXXX or any other services. I do not want Harris & Harris debt collector firm sending me any other fraudulent debt collection alleged text message bill when I do not live in the State of Maryland. Either do I want Harris & Harris debt collection agency placing fraudulent debt collection bill onto my credit file report.
Product: Credit reporting or other personal consumer reports

I have inquiries on my transunion credit report. 

Inquiries 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5 XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX
Product: Checking or savings account

Made my deposit of {$5800.00} through the app since I dont have a local branch in my state on XXXX XX/XX/2023 around XXXX after work. Deposits were accepted, then around XXXX on XXXX XX/XX/2023 my accounts were closed without notice. Ive called numerous times on XXXX XX/XX/XXXX from XXXX to XXXX, from numerous corporate offices, customer support lines, and theft prevention. I finally spoke to XXXX from loss and theft prevention department after being referred from a Citibank atm out of state and was told my deposits were deemed invalid even though they were money orders purchased the day prior. I asked about my deposits and the money already in my account and was told it would be mailed in XXXX days. I called today XXXX XX/XX/XXXX because that time has elapsed and no representative will help me without the account number to a now nonexistent account. I couldnt be helped because of their mistake and now invalid banking information. This has now put me in an unnecessary financial bind and XXXX customer support, theft prevention department and corporate offices refuse to help, listen or act.
Product: Credit reporting or other personal consumer reports

I pulled copies of my credit reports and requested a reinvestigation per 15 USC 1681i to each of the three credit bureaus ( XXXX, Experian and XXXX ) and I made them aware of inaccurate and incomplete information but it still hasn't been resolved up until now. I followed up with a method of verification per 15 USC 1681i and am documenting it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 this report incorrect never repaired. It does not show the same information as posted for my husband on our joint accounts. Also they failed to remove the credit freeze inhibiting access. They failed to notify the other credit bureaus. The dispute procedure is a farce and I could not add a personal statement. A sad joke.
Product: Credit reporting or other personal consumer reports

Equifax is reporting the following fraudulent hard inquiries on my Equifax credit report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all occurred on XX/XX/year>. I did not allow these institutions to pull my credit nor did I provide them with my information. These inquiries are fraudulent and unauthorized. I am a victim of identity theft. I have included my ID, SSN card and my FTC Identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a hard inquiry from XXXX/CBNA which does not belong to me. iv tried to contact them and i have not been able to get anyone on the phone. this is hurting my score and i am not able to get approved for a mortgage.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Weeks ago I called and reported a list of unauthorized transactions : " I did not make these charges : XX/XX/XXXX Auth : XXXX XXXX {$19.00} Completed Transactions XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$120.00}XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$110.00}XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$260.00} XX/XX/XXXX XXXX XXXX Il {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$150.00} XX/XX/XXXX XXXX XXXX Ny {$160.00} '' The balance at the time was more than {$2600.00}. That 's what I expected to be replaced. Today I get a check for {$230.00} with no explanation where the rest of it is.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach and have some thing on my credit I dont t recognize on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2014, an unauthorized transaction was made using my Macy 's credit card without my knowledge. Because I was not aware of the occurrence of that transaction, I was under the impression that card balance was {$0.00} and didn't make the payment at the end of billing cycle. After few months this resulted in a charge off. I only realized this when I got the call from collection agency to which credit card company deferred. 
Since 2014, I requested the credit card company many times to consider that transaction as fraudulent transaction and remove the charge off from my credit report. I also paid off the full balance - original transaction amount + interest to the collection agency. Credit card company is refusing the consider the transaction as fraudulent transaction and remove the charge off from credit report. 
My credit score is negatively impacted because of charge off. It is very unfair that credit card company is not accepting a fraud transaction as fraud transaction and unwilling to remove charge off from the credit report.
Product: Mortgage

I discovered that Flagstar Bank, the servicer of my loan, had - for two years - been submitting tax payments for my neighbor. I first lodged a complaint with Flagstar Bank in XX/XX/XXXX. Flagstar Bank began servicing my mortgage on or about XX/XX/XXXX. The malfeasance on the part of Flagstar bank led to several penalties and interest costs from my property tax authority. Flagstar Bank has not, up to the time of this complaint, rectified the interest costs and penalty payments associated with their improper, incorrect, and careless actions.

Instead of rectifying their two years of careless, incorrect and improper property tax payments by refunding my escrow account for penalties and interest costs that arose due to their sole action, Flagstar Bank has instead proposed to *increase* my escrow payment. This is absurd- Flagstar Bank would have me remit an even higher monthly payment than I have done to date to rectify their reckless escrow underwriting process.
Product: Checking or savings account

A check for {$3500.00} was fraudulently deposited into my bank account and was not made by me Bank of America is XXXX  XXXX  me as a XXXX young man and saying verified as accurate they can clearly check the security cameras where Im not on them once. This is putting a pause on my life right now because I cant open any banks or credit unions they will benefit right now
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Payday loan, title loan, or personal loan

I am currently working with a debt settlement company. They advised me not to pay or contact Upgrade since I was now in their program. Since then Upgrade has called me several times since I missed 1 payment. This I understand completely and have no issue with. What I do have an issue with is them calling me at XXXX in the morning.