23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XX/XX/2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XX/XX/XXXX FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the XXXX company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a
Product: Checking or savings account

We received a forwarded letter and envelope inside of the wells Fargo envelope. The forwarded letter states we had an account in Oklahoma closed. We live in Alabama and never had any account with this bank. Back in the XXXX time line. The name was correct, the address was not. The back verifes that there was an account in my husbands name. Which has to have been a fraudulent account as he's never had any account with Wells Fargo bank at that time line. I called and talked with a specialist, that could not figure it out. He said to contact this site, so I am.
Product: Vehicle loan or lease

I went to apply for housing and they pull my credit and they had a auto loan that did not belong to me!
Product: Credit reporting or other personal consumer reports

There has been an unauthorized account opened under my name. I am a victim of identity theft and have filed reports with the FTC, local law enforcement, and as well as my bank. 

Someone has used my personal information to fraudulently open an account with XXXX XXXX XXXX XXXX. I have contacted them before to try to get them to help me resolve this issue but was faced with neglect of my consumer rights every time. 

Also, I reached out to the credit report agencies Experian and XXXX multiple times previously to notify them of this situation I am dealing with. Yet, they as well, are neglecting me my consumer rights are refuse to make the correction to my credit report. 

Their noncompliance has taken a toll on my credit and has made my life difficult since it is harder to find housing, due to their mistakes that they deny to correct. 

The subjected accounts details are below : XXXX XXXX XX/XX/2020 {$2700.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to try and get XXXX hard inquiry off my credit report. They told me they was n't able to help me. I explain that I hard to hard inquiry that was 2 years old. Gave  them dates on both. XXXX inquiry was XXXX on XX/XX/XXXX. XXXX inquiry was XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX Is NOT my account please promptly remove this incorrect information from account. I have already asked that this be done or send any verification you have done to keep this account in my records. I have not recieved anything back and it has been over 2 months. Is your duty to verify all information reported as well as provide me with this verification upon asking. This has not been done. Please REMOVE incorrect reporting. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

5 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Federal Trade Commission : I want to make a complaint against my former credit card company. 
Background : My previous credit card company was XXXX. 
During about 10 years of using that credit card, there were no late penalties or any problems. I also had set up auto-pay. 

In late 2019, the XXXX credit card was taken over by Citi. Thats when the problems started. Though I had transferred and/or retained my auto-pay arrangement, I later received a bill with late charges. 

I protested and kept contacting the credit card holder, but my protests were essentially ignored. ( XXXX ) I dont think the credit card company handled this matter in a fair way, and making a complaint. The card company erred by not putting my auto-pay arrangement into effect. It also erred by adding left fees on top of the balance. 

Yours truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Product: Student loan

Situation : Administrative Forbearance is being erroneously or fraudulently applied to my account by MOHELA. 

Background : At XXXX XXXX XXXX XXXX on XXXX, I spoke with XXXX XXXX MOHELA employee # XXXX ). 
I told XXXX, I do NOT want ANY type of forbearance or deferment to be applied to my account, or any other actions that will negatively impact my chances of achieving PSLF as soon as possible.

In 2012, fedloan Servicing misguided me and placed me on Administrative Forbearance, and it is currently hurting my changes of PSLF for those months I worked for a non-profit. 
XXXX XXXX, after speaking with his supervisor XXXX ( MOHELA employee # XXXX ) : There wouldnt be an automatic processing forbearance for what Im asking. Its only when going from IDR to traditional or traditional to another traditional payment plan. [ Administrative forbearance ] would not apply when going from one IDR to another IDR plan. 

Assessment : Steering and manipulative practices to keep borrowers in debt and not qualify for PSLF continues to happen, like it did with my previous loan servicer ( XXXX XXXX ) in 2012. 
It benefits MOHELA and others like them to keep borrowers in debt ; hence why the automatic forbearances, which harms chances of meeting PSLF, are dubiously and quickly applied. 

Request : MOHELA : Please do not start AND remove any forbearance from my account. As stated, multiple times, I did not ask nor do I want anything that will disqualify me and my payments from achieving PSLF. 
Consumer Financial Protection Bureau, U.S. Dept of Education, and our elected officials should investigate MOHELA for these dubious practices.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( XXXX, Experian, and XXXX ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX 

Ive asked for XXXX and proof of debt. None sent. Ive paid some collections in settlements and asked them to be removed. They say it would. It hasnt. 

I also cant dispute inquiry on XXXX XXXX or TransUnion. 

Most dates are incorrect. Most debt is incorrect. 

Credit cards show late payment but Ive not been late and my score decreased XXXX points. Disputed. No action was taken.
Product: Credit reporting or other personal consumer reports

I have never conmducted this inquiry unlike what the company said
Product: Credit card or prepaid card

This has been going on for a few months now and they keep charging me late fees and the balance has gone from {$330.00} to {$380.00}. Apparently theyve also turned me into collections without notifying me of a past due balance. I cut this card up in XXXX after I paid it off, but there were some fraudulent transactions which I disputed ( in writing ) because they refuse to do disputes over the phone. They denied my dispute because whoever used the card knew my zip code Im sorry but I can XXXX a name and get someones zip code. The FCRA has to have been violated here because as I said theyve turned me into collections without even trying to get ahold of me, charged late fees without notifying me, denied disputes on no basis, and reported me to the credit bureaus as delinquent.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and dissatisfaction with Experians handling of consumer disputes, based on my recent experience. It has come to my attention that your investigation procedures are deeply flawed and fail to comply with the standards outlined under the Fair Credit Reporting Act ( FCRA ). 

Issues with Investigation Procedures When I disputed XXXX  XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX/dept of ED Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX. 
Experian failed to conduct a proper investigation. 
Specifically : XXXX. Experian did not accurately convey all relevant information about my dispute to the furnisher of the disputed information. 
XXXX. It appears that Experian uncritically accepted the furnishers response, despite the response being improbable, illogical, or inconsistent with available information. 
XXXX. At the conclusion of the investigation, I was sent a notice that failed to provide clear, accurate, or actionable results. Instead, the communication was ambiguous and left me uncertain about what actions were taken, if any, to resolve my dispute. 

Improper Reinsertion of Inaccurate Information Additionally, I have observed that previously deleted inaccurate information has been reinserted into my credit report under a different furnisher. This indicates that Experian lacks effective matching tools to prevent reappearance of incorrect or previously disputed tradelines. This reinsertion occurred without proper notification or explanation, which violates FCRA requirements.

These deficiencies in Experians dispute handling process are unacceptable and severely impact my creditworthiness and financial well-being.

Requested Actions 1. Reinvestigate the dispute related to [ specific inaccurate account/tradeline ]. Ensure that all relevant information I have provided is communicated to the furnisher and that their response is critically evaluated. 
XXXX. Permanently remove the inaccurate information from my credit report and take steps to ensure it is not reinserted.

3. Provide a clear and detailed explanation of the investigation results, including the evidence reviewed and actions taken.

4. Implement improved procedures to prevent the improper reinsertion of inaccurate information in the future.

I trust Experian will take this complaint seriously and address these concerns promptly. If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Car Loan I am writing to dispute the accuracy of the information on my credit report regarding late payments reported for my car loan account # XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, it is unlawful to report inaccurate information on my credit report without my consent or proper verification. I request that this information be removed, and my account status updated to reflect " Paid as Agreed, Never Late. '' Additionally, 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) specifies that reports containing information solely related to direct transactions or experiences between a consumer and a creditor are excluded from the scope of a " consumer report. '' The late payment notations on this account appear inconsistent with this definition and my actual payment history. 



To assist in resolving this matter, I provide the following relevant information : Account Holder Name : XXXX XXXX Account Number : XXXX Dates of Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Given these facts, I formally request : 1. Immediate investigation of this dispute under FCRA guidelines.

2. Correction of any inaccuracies and update of the account to " Paid as Agreed, Never Late. '' 3. Written confirmation of your findings and any corrective actions taken.

Please ensure that this disputed information is not reported to any third parties during the investigation. The FCRA mandates timely investigation and response, and I look forward to a prompt resolution.

Thank you for your attention and cooperation. 



Sincerely, XXXX XXXX
Product: Credit card

Macy 's took down their website without prior notice, when I went in to pay the credit card bill there was no way to make a timely credit card payment as the website was down. They provided an XXXX number to pay the bill but that number was cut off before the website was actually back up. Macy promised to have the site up XXXX but it did come back up again until mid XXXX. They then applied a {$25.00} late fee to the account. How can they charge a late fee when they removed my ability to make a timely payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} million in damages. 
2. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX XXXX. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
3. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
4. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan is showing charged off ( from my annual credit report and mortgage lender credit pull. I attended XXXX XXXX in which the school lost its accreditation. I submitted proper paperwork a couple years ago and itshas been going on for years. I saw that its on my credit report now as a charge off because of the class action lawsuit. I am a XXXX military veteran looking to use my VA benefit but because its student loan is showing up as charged off ( no fault of my own ) i am presented with being unable to purchase a home via VA or FHA for that matter. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted equifax for over 2 Mos several times about a lock on my account. Trying to buy a house they will not release info. Called several times Verified who I was to do avail! Send copies of drivers license social se unity card etc via fax. Company will not respond if received. I have missed out on several homes due to their ignorance and not resolving my issue. Dealing with this for 2 Mos. Is totally uncalled for. Have given dr license birth certificate social number loan names and payment amounts and anything they ask for and issue not resolved!!!!!!!
Product: Credit card or prepaid card

On XX/XX/2022, I wrote a check # XXXX to Target to pay XXXX statement balance of {$140.00}. Target clerk keyed in {$140.00}. I pointed out it should be {$140.00}. The clerk tried to cancel the mistake and keyed in the right amount of {$140.00}. 

When I checked my XXXX  checking account, I find that check # XXXX was charged twice, one for {$140.00}, one for XXXX and were back to back on the same day. After I explained to XXXX, XXXX credited me back the {$140.00} on XX/XX/2022. 

Later I received the Target XXXX statement, Target lists I have a purchase " XXXX. XXXX STORE PAY RETURNS # XXXX XXXX -- -- -- -- -- -- {$140.00} ''. I called Target to explained that is a mistake and I did not make that purchase. But the {$140.00} was carried on to the XXXX, XXXX statements and was never corrected and keep on charging interest on it. I wrote to target again on XX/XX/2022 to explain the mistake and as of today I did not receive any response or call. 

All related document were forwarded to Target on XX/XX/2022 and XX/XX/2022.