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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment was made on time, which is within Toyotas XXXX XXXX period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Date : [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information Reported by Equifax. 


Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving a dispute concerning inaccurate and outdated information reported by Equifax on my credit report, despite my multiple attempts to have the information corrected directly with the bureau. 
The specific errors in question include : 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  I have followed the proper procedures to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), but Equifax has failed to correct or remove the information within the required timeframe. The continued reporting of inaccurate data is causing harm to my creditworthiness and violates my rights under federal law. 
I am enclosing copies of my previous dispute letters, Equifaxs responses ( if any ), and supporting documentation for your reference. I respectfully request the CFPB to investigate this matter and require Equifax to : Remove or correct the inaccurate information from my credit report. 
Provide a written confirmation of the corrections made. 
Ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Please feel free to contact me if you require any additional information to assist in resolving this matter. Thank you for your attention to this important issue.

Enclosures : Copies of previous dispute letters to Equifax ( Spoke with Equifax representative over the phone. ) Equifax responses ( Stated that inaccuracies will be removed in 24 to 72 hours after request. ) Proof of identification ( Drivers license, utility bill ) Supporting documentation ( e.g., proof of correct address, account closure letters )
Product: Credit card or prepaid card

My Bank of America Credit Card Rewards Program promises cash rewards. The cash rewards stopped a few months ago.
Product: Checking or savings account

In XXXX after learning from an article in the XXXX York XXXX that Capital one was offering XXXX of the highest interest rates on savings I opened a 360 savings account with Capital One online and arranged to have deposits from another bank made to the savings account on a monthly basis. Assuming I was receiving the high advertised rate, I didn't pay close attention to the statements. But when I did the calculations I saw I was only receiving an interest rate that was XX/XX/XXXX of the advertised rate. I thought that perhaps there was a principle threshold, or maybe the higher interest rate required I have a Capital One checking account ( which I did not have ) or maybe interest was added at the end of the year. It wasn't unitl I read that Capital One had used deceptive practices to obscure to consumers that the savings account with the higher interest rate was identified as XXXX XXXX and was not an option when I opened the savings account in XXXX. I feel deeply deceived by Capital One, which over the XXXX years co ntinued to send me promotions for their credit cards and loans on a weekly basis, but never alerted me that I should be earning higher interest rates on my savings.
Product: Credit reporting or other personal consumer reports

The List of accounts below display as hard inquiries on my report & have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  These accounts displayed under Equifax that i am unaware of must be removed. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 Credit Reporting Agency ( CRA ) keeps furnishing inaccurate and incorrect information despite multiple disputes. They keep telling me that information has been " verified '' however the loan servicer has CLOSED and no longer has anyone working for them who can " verify '' anything. My new loan servicer states they do not see any late payments and that I need to contact the original loan servicer ( XXXX ) but XXXX is CLOSED so I can not request any copies of letters or request debt validation. 

I have multiple accounts ( tradelines ) posting to my credit report for XXXX XXXX XXXX and EACH account is showing 90 days past due for XX/XX/2019 and 120 days past due for XX/XX/2019. Specifically : XXXX XXXX tradeline with balance of {$15000.00}. Comments " dispute resolved. '' This dispute was never resolved. Shows 90 days past due in XX/XX/2019 and 120 days past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$57000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$36000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' Please update these accounts to reflect the accurate information. You are unable to verify information because XXXX has closed. I am unable to request debt validation or request a payment ledger because XXXX has closed. I can not log into my former online account to retrieve letters to support this dispute because XXXX has closed.
Product: Credit card or prepaid card

On XX/XX/2018 I received a letter from XXXX 's, XXXX XXXX XXXX, XXXX, Ohio, XXXX. The letter concerns a problem completing my application for the XXXX  's American Express card. I NEVER applied for this card, but when I called the New Accounts Customer Service ( XXXX ) the recording asked for my 9 digit social security number, which, of course, I did not provide. 

This is an obvious scam to steal my identity. Thank you for your help in this matter.
Product: Credit card

Comenity Bank ( XXXX 's store credit card ) is contacting me for debt that is about XXXX dollars. I spoke on the phone informing them I never received a bill and never received an actual account card with information to make an online account and pay my card. 

I'm happy to pay if they let me. 

They call an average of 4 times a day and each time they leave a voice-mail lying about why they are calling. 

Instead of saying they are calling about my XXXXXXXX XXXX card they say this ( exact voice-mail transcript ) : This is XXXXXXXX XXXX  calling . We want to connect with you regarding the tax refund you may be receiving. We would like to help you explore options we have during a limited time for tax season. Please contact us today so we can talk to you about a special option. '' I also started a debt repayment program ( XXXX ) who told me to block their calls ... but they keep calling on different numbers
Product: Debt collection

Back in XX/XX/2020 True accord contacted me and was told by XXXX XXXX. That her company will no longer be trying to contact me to owe on the debt because the account will be given back to the original debt collector. I have already complained before about this same company I don't remember the complaint number. XXXX XXXX has been sending me emails regarding the same account that I was told that they will longer be collecting on.
Product: Debt collection

I frequently receive calls from them early in the morning. Always before XXXX and sometimes as early as XXXX in the morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One requested a hard copy of my credit report without my authorization. 
Based on their privacy notice they must request a hard credit inquiry and based on the noticed I received from XXXX is that they received a hard copy of my credit report. This had a negative effect on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with Transunion credit reporting I have XXXX hard accounts that are against that report and XXXX soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into XXXX credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for transunion and they all came back verified as well. Those amounts that are affecting my report for XXXX are {$2600.00}, {$500.00}, and {$200.00}. Lastly, XXXX  is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXX small children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2021 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX : XXXX Delete this account. 
5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX 7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I have tried opening a bank account a few times now, and each time It's being Declined. For one, It's saying that they are attempting to use public information from XXXX, and XXXX tells me they pull their public information from LexisNexis. Each time it gets denied, stating that the score on LexisNexis is not sufficient, that Retail information is reported. Which would be fraudulent information apparently. I am a victim of Identity Theft, and I never Authorized anyone to access my LexisNexis Report. When I requested my consumer report/Disclosure, I was told they would mail me a copy within a few weeks and I never received anything by mail NOR Email. I put my correct address in. I have filed a police report, and Identity Theft Affidavit. XXXX XXXX, and XXXX Bank both tell me they opened fraudulent bank accounts, along with XXXX XXXX XXXX XXXX. Stating they pulled public information ( Fraudulent information ) From LexisNexis. I have never owned any phone number ( XXXX ) Or Similar. I have never lived at XXXX XXXX, Nor XXXX XXXX, Nor XXXX XXXX. I believe LexisNexis XXXX have put a security freeze on my credit profile at XXXX time, but I am not sure what the Pin Number is because I never received XXXX. I have lived at my Current Address since XXXX I am not sure where they are gathering the false public information. However they should not associate information to me that is fraudulent. As a Result of Identity Theft. LexisNexis was made aware, and I believe they XXXX have used a fraudulent email address prior to send information to, but it clearly doesn't match my email address. LexisNexis, Needs to stop reporting false information. They have several Fraudulent Inquiries ( Retail Inquries ) Fraudulent Credit Cards listed, and XXXX XXXX, along with Fraudulent Deposit Accounts listed. I want a copy of my report, as I requested and XXXX Score. I also want the fraudulent accounts blocked that were opened due to identity fraud, and I want the XXXX XXXX removed. I do not have the PIN. I have attached a Police Report, and Identity Theft Affidavit. Please review and Mail me a copy of my report, along with email me a copy of both XXXX and score. Lastly they are reporting on my public records an accident as FAULT. I have never had any accidents AT FAULT. Yet XXXX stated that LexisNexis is reporting this information from XXXX. I contacted XXXX XXXX, they advised I was never at fault. I have not had any at fault accidents. I was Rear Ended on a High-way From a Teen a few years ago. This teen was using a learners permit with his girlfriend in the car also underage. He Rear-Ended me. The XXXX then attempted insurance fraud by saying his mother was in the car, and she was not in the car. Therefore the Arbitrator stated it was not my fault, I was actually rear ended on the XXXX XXXX. This is not considered at my fault. XXXX Is falsely reporting it as XXXX XXXX when it was actually their clients fault. I was never found at fault. I want this information that is being falsely reported by LexisNexis Removed as well.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/ i received email from Paypal that i changed my mailing address, and I had closed my account which I did not. I immediately contacted Paypal and informed them that i did not do either of these unauthorized actions. Moreover, the cash balance of {$5700.00} in the account of was also gone. I also called customer service rep at Paypal by the name of XXXX who acknowledged all my issues and sent me an email which opened my case for fixing these unauthorized activities and retrieve my cash balance asap. the case number assigned was XXXX XXXX i did not hear back from Paypal so I contacted them by phone on XX/XX/XXXX but was disconnected abruptly. I called again on XX/XX/XXXX and after another interrupted disconnection and speaking with 3 other agents who could not help me, i finally was able to speak to a supervisor named XXXX who understood my situation finally and told me that she would escalate my case to home office and assigned a new case number XXXX and i would be contacted by email on case status. But nothing happened. I called a day later on XX/XX/XXXX to check on status and finally reached an agent named XXXX who fully understood my situation and said he would initiate stop payment for the unauthorized check drawn in the cash balance amount of {$5700.00} and i would be contacted within 24 to 48 hours. XXXX also forwarded me email that confirm there was fraud activity on XX/XX/XXXX. But again no call back from XXXX. Nothing. So i called again XX/XX/XXXX and spoke to another agent named XXXX who also was able to check notes from my conversation with XXXX and said that the stop payment was not completed so she will initiate again and that i call back within next 48 hours to check status. Bottom line i have made 9 long distance phone calls ( no other way to contact ) since XX/XX/XXXX to report fraudulent activity in my account and now XX/XX/XXXX with no resolution. i want my money regardless if they successfully make stop payment since my money was in their safe keeping and they must protect my money from unauthorized fraud.
Product: Debt collection

On XXXX XXXX, XXXX I refinanced my mortgage with Option One Mortgage Company in the amount of XXXX. Option One Mortgage became a defunct entity in the state of North Carolina in XXXX. On XXXX XXXX, XXXX I received a notice of foreclosure of deed of trust from XXXX XXXX. This notice stated that the present holder of the deed of trust is XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. There was no note attached to notice of hearing. On XX/XX/XXXX months after the notice of foreclosure an assignment of the mortgage from Option One Mortgage Corporation ( a defunct entity ) was assigned to XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX and XXXX require the servicing company to send a pre-foreclosure notice and notice information, the servicing company did not provide the notice before accelerating the loan on behalf of XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before become the alleged holder of the note on XXXX XXXX, XXXX according the assignment recorded in the XXXX XXXX XXXX of deeds on XXXX XXXX, XXXX. The deed of trust signed by myself and my spouse clearly states that notice would be sent before the acceleration of the debt. The servicing company is attempting to have the property sold on Tuesday XXXX XXXX at XXXX when it knows that the 45 day pre-foreclosure/acceleration letter was not mailed as required by NC law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them.