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

XX/XX/2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address TransUnion ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/2024, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required.

The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : Shows a 30-day late payment in XXXX and XXXX, and a 60-day late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a 30-day late payment in XXXX and XXXX, and a 60-day late in XXXX. 
XXXX : Reports 30-day late payments in XXXX and XXXX, and a 60-day late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability.

Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2020, my Edd card was stolen and {$2800.00} was swiped at LA. I was working in XXXX XXXX at that time. After I found it, I called the Edd service department of Bank of America and the money was returned a few days later. But a week they buckle of return money, at the time I make a phone call to the bank of America and they said to provide work proved that at that time, I put my work and my when payroll manager phone fax them, in the meantime I made numerous calls, they say is processing need to wait for the past six months the silent until now, I am a civilian don't know what to do.this has seriously affected my life.
Product: Debt collection

This is account have been on my credit report for over a year. The account in question is from TransWorld System. Medical from that I did not know I owed. Once I found out it was on my credit I paid the collection agency in full. Ive tried disputing this off my redirect report for more than a year it will be two year in XXXX. The account in question is on XXXX credit report. This is now appearing on my report as a charge off. I tried XXXX XXXX XXXX in XXXX and XXXX XXXX in XXXX. I also sent numerous disputes to XXXX and their refusing to remove this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC has been now twice been informed of an UNAUTHORIZED INQUIRY currently being furnished on my consumer credit report and has now willfully and deliberately failed to remove or block the unauthorized inquiry as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has once again identified the unauthorized inquiry provided herein resulting from Identity Theft and unauthorized use of the my personal identifying information and I have given notice that this unauthorized inquiry has not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, XXXX has now has committed willful and deliberate non-compliance of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiry no later than 4 business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a Federally protected consumer, I am demanding that EQUIFAX INFORMATION SERVICES, LLC immediately remove or block from reporting the following unauthorized inquiry : UNAUTHORIZED INQUIRY TO BE REMOVED : XXXX  XXXX XXXX  XX/XX/2022 ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a complaint requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the account is inaccurate, incomplete and outdated : XXXX XXXX Balance : {$320000.00} I never missed my payment. I think you are reporting inaccurate information. 30 days late last XX/XX/2024 is questionable. Please reinvestigate and repair this account. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct the disputed account from my report immediately as you failed to comply with the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry was made without my consent and is not related to any financial transactions or applications I have initiated.
Product: Money transfer, virtual currency, or money service

My zelle was accessed while I was working at a XXXXXXXX XXXX XXXX XXXX XXXX XXXXd a {$200.00} transaction was completed to a XXXX XXXX without my authorization. I attempted to dispute the transaction with my XXXX  XXXX bank as well as Zelle but I was refused the refund. Zelle never responded to any of my correspondences and I was charged for the fraudulent transaction. I did not authorize this activity and I am also looking at multiple other transactions with Zelle that are not authorized. Seeking some type of resolution to this fraudulent activity immediately.
Product: Credit reporting or other personal consumer reports

American Express Bank illegally and incorrectly reported a payment as late ( Specifically back in XXXX of XXXX ). As per the terms of the Cares Act, their representatives misadvised that I would only be eligible to receive any payment relief/assistance programs/offers if I showed signs of hardship ( Missed Payments ) despite my reaching out to them ahead of being late on any payments to let them know that financial hardship was on the horizon. Under the sanctions of the Cares Act, this is seen as misconduct, misinformation, and unethical behavior. Essentially, I was forced to be late on the payment without assistance. In XXXX, American Express provided a blanket response that not only avoided my question but also was a blatant attempt to circumvent my initial acquisition and issue. Based on American Express 's response to this matter, they have acted with wanton disregard for my safety and the overall long-term well-being of myself and my family.
Product: Credit reporting or other personal consumer reports

Went to Transunion website and disputed info. And the site never took info off or responded with what had happened with my dispites
Product: Credit reporting or other personal consumer reports

Late payments listed for the following creditors on my credit report : CitiCards 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 Late payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 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 reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The above accounts have violated my rights. 

Names : 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 XXXXXXXX I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate items. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it SHALL follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

According to 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) In general, If 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 consumer 's file.

According to 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors.

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: Debt collection

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by MIDLAND CREDIT MANAGEMENT against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ). 

Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt. 

Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt. 

Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report. 

Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. Specifically, I am seeking : 1. Verification and correction of the inaccurate information reported to consumer reporting agencies. 
2. Revoking all rights of them communicating with me through email/text/calls 3. Requesting a purchase agreement between the collection agency and the original creditor. 
4. Proof collection agency is licensed and bonded
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

On XX/XX/2015, I signed a contract with XXXX XXXX  for XXXX XXXX  XXXX  services. The full amount due was pre- paid by XXXX XXXX. Hence, the XXXX  XXXX   XXXX  XXXX representative XXXX XXXX XXXX had me signed an agreement Shedule B Fee which stated total pricing amount for services for {$4700.00}. The ach payments was set up by XXXX  XXXX  as soon as i signed the contract and funds were drafted from my checking account to account ending in XXXX. I have paid amount in full and have proof from my bank statement. XXXX  sold by loan to a Portfolio recovery associates LLC. Even though i have sent support of proof of payment, portfolio recovery is still trying to collect paid debt. Need your help as my credit has been effected by this unsettled matter. Please see provided support from my bank and XXXX  XXXX letter after last payment was settled. I will provide support of contract if need, so you may see the terms. Thank you so much. I will provide copy of initial agreed contract terms if needed. 

Thanks XXXX XXXX.
Product: Debt collection

Dear CFPB, Madam/Sir : I look at my XXXX Credit report and I find out that this debt collector had the Negligence of reporting a debt With Out writing me FIRST a letter in regards to the debt from the first party that is XXXX. The debt collector is adding in my XXXX credit report with out authorization, the amount of : {$230.00}. They were supposed to mail me a letter that is called Debt Validation Letter, than after receiving this letter, I have 30 days to answer the debt collector. The debt collector is Braking The Fair Debt Collector Practice Act ( FDCPA ). The debt collector is Braking Communication with me as a consumer or third parties in any prohibited manner. ( 15 U.S.C. 1692b and C ). At the same time I already made arrangement with XXXX XXXX XXXX to pay the First party and negotiate the payment. Thank you Very Much. Respectfully yours. XXXX
Product: Debt collection

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and then you marked this account as closed. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit reportsASAP.
Product: Debt collection

They are repeatedly calling and harassing my in laws. This is not acceptable. They leave threatening messages on their voice mail for me saying they are going to take action and sue they said the woman, Tired of not hearing from you and they said your " action or inaction " could have a major impact on the outcome of this case. 
Today, the name was XXXX XXXX
Product: Credit card or prepaid card

I purchased an upgraded metal card with Cashapp for {$50.00} on XX/XX/2023 and a few weeks later ( XX/XX/223 ) after I activated it they blocked my account and refuse to give me a replacement or refund. They say I violated their terms of service for disputing a purchase then trying to get a supervisor since they didnt help me with the dispute. I paid for an item they will not let me use and refuse to help me. All I get is an endless loop that a supervisor will contact me and they dont.
Product: Money transfer, virtual currency, or money service

PayPal Friends and Family has an inadequate alert to customers to indicate there is no recourse available to recover funds sent.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX an employee I work for. I moved and they never updated my address. I worked the elections in XXXX of XXXX. After my assignment, they sent a check to an address I changed weeks prior. Instead of them putting a stop payment on the check, I had to wait 30 days, by that time the check was cashed. PLS financial institution, allowed to some to cash a check that did not belong to them. It is customary for PLS to take pictures and record video of their transactions. PLS told me that my employer ( Board Of Elections ) are responsible for replacement, since PLS said I cashed it, they arent issuing me another check. It was fraud, any video or picture taken will show that. The person didnt even sign my correct name and they added a phone number I never used at PLS. Im out of money because a check was sent to the wrong address
Product: Credit reporting or other personal consumer reports

I asked you to delete this inaccurate information! You didnt provide me proof and breaking my consumer rights per the law..
Product: Credit reporting or other personal consumer reports

Enclosed is proof that XXXX XXXX XXXX is reporting inaccurate information. I requested that TransUnion remove the late payments on the problem account XXXX XXXX XXXX. Remove these late payments for this account is reporting inaccurate information. XXXX XXXX XXXX is reporting different information on XXXX and XXXX also. In pass disputes with TransUnion concerning XXXX XXXX, it was my request that this account be investigated for maximum accuracy reporting. Simply " parroting '' information from Data Furnishers without an actual independent verification constitutes willful non-compliance as affirmed in Cushman v TransUnion Corp, 115 F.3d 220 ( 3rd Cir.1997 ). I'm filing this complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TRANSUNION consistently respond immediately stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, TRANSUNION actions may contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( File No.2025-CFPB-0002 ) against other credit bureaus for similar violations. I request that the CFPB take action to ensure TRANSUNION complies with Federal Law. Problem account is XXXX XXXX XXXX.
Product: Debt collection

I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never paid this account late. 

ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Placed for collection by XXXX XXXX XXXX with Preferred Collection & Management services for {$51.00}. Claim states this is amount I owe for blood work on XXXX. I never received a bill from the hospital nor a notice from XXXX XXXX XXXX. From what I can ascertain on the phone, this was a denied charge for XXXX code, and should have been resolved internally. I was told this could take 30+ days to resolve. In the meantime, my credit report shows I have been placed for collection.