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

This dispute involves an issue we have with USAA. 

In summary, we paid USAA in full for my husband 's credit card.Due to their internal policies, they sent the money to their insurance department even though we did not have an an insurance product. 

Since USAA could not redirect the funds from Insurance back to Banking, USAA Banking reported the credit card balance of {$1200.00} as charged off. In addition, they continue to report it as late every month. 

All of our attempts to resolve this issue with USAA have been rebuffed. They have told us that there is nothing that they are willing to do to remove the chargeoff. In addition, they have told us that they will continue to report this account to the credit bureaus as late every month indefinitely. They have advised that there is no-one at USAA who can stop that reporting and/or they will not tell us who may be able to do that. They advised that even if the debit were paid again, the late payment reporting will not be stopped. 

I can not see how it can be legal for a company to give a consumer zero options to prevent the reporting of late payments. Can you please advise if we have any options? 

Thank you. 

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

I Reviewed my Consumer Reports and noticed that I had Ten payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXXXXXX : XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Product: Credit card or prepaid card

My name XXXX XXXX, I've been XXXX from the US Military since XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, one item on my credit profile is a credit card from Navy Federal credit Union. 

I never applied for a card from this credit Union. If you look at my credit profile I have live only in one state after I XXXX from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida. 

My credit have been used fraudulently and I am asking for this credit card to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

{$3900.00} Balance Open XX/XX/XXXX Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, MY CONSUMER REPORTED SECURITY FREEZE WAS PERMANENT REMOVE BY XXXX BY XXXX STILL SHOWS ITS ACTIVE WHICH IS INCORRECT XXXX REFUSED TO REMOVE THE SECURITY FREEZE!
Product: Credit reporting or other personal consumer reports

To whom it may concern : Attached the information Ive identified on my credit report that needs to be deleted from your records immediately.
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 : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX 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 was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate. 
No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
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 XXXX XXXX XXXX
Product: Debt collection

I've been getting several phone calls everyday by this company Portfolio Recovery to all the phone numbers I have as in work, emergency contact, home and alternative contacts. Myself and my emergency contact told them, to stop calling and that we're not even sure of what debt they're even talking about as I've had multiple XXXX XXXX accounts since and before XXXX but disputing it didn't do anything. I don't know what else to do. I have attached just a few of the calls to my main number.
Product: Credit reporting or other personal consumer reports

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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. These accounts are not accurate. Attachments will show the various inconsistencies circled in red.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C.

XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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

I HAVE ASK THESE CREDIT REPORTING COMPANYS TO REMOVE THESE ACCOUNTS 3 TIMES I DO NOT AND NEVER LIVED IN THE STATE OF MISSISSIPPI MAKING THEM ACCOUNTS A DATA BREACH OF MY INFORMATION.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS FAILED TO PROCESS A DISPUTED VIA US MAIL AS REQUESTED. I WANT THE 8 FRAUDULENT INQUIRIES REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XXXX XXXX XXXX that there was a change of address linked to my XXXX credit card. 
On XX/XX/XXXX I called Experian and they were closed On XX/XX/XXXX I called XXXX Bank and they told me that the change of address was not linked to my accoung On XX/XX/XXXX I called Experian again and they told me they couldn't do anything but mark the address as fraud and to file a compliant here On XX/XX/XXXX I called XXXX and they couldn't find anything again
Product: Money transfer, virtual currency, or money service

Wells Fargo sends me monthly rent money from my trust. It is deposited on the XXXX of each month into my checking account for use the next month. This rent money is due on the first of each month, with a grace period of five days. They did not deposit my rent money this month ( XX/XX/2022 ). I called my XXXX  officer and she needs a budget form filled out and mailed back in order to continue my payments. This has always been done in XXXX or XXXX each year. This year the budget form was not sent to me and they continued depositing my rent into my checking account. I thought they finally realized that since it is just for my rent, a budget form was not necessary. I tried to tell her the money is needed now, but she just said she will send another form and then hung up on me. I do not want a XXXX officer who is rude and inconsiderate, but one who treats a client with respect and understands and listens. She is quite able to help and deposit my rent money while mailing out the budget form, but refused to even comprehend my stress and in the meantime, I still have no rent money for XXXX. The trust officers name is : XXXX XXXX, phone : XXXX. Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I would like another XXXX officer. Preferably XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I purchased 2 vehicles using a finance charge transaction, and under 15 USC 1605, the finance charge is the sum of all payments, meaning there can be no late payments. However, the credit bureaus continue to report late payments on my credit report, which is a violation of the law.

I kindly request the CFPB to take appropriate action and delete the accounts below, as they should not be on my credit report Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

Furthermore, according to the FCRA, any information that is inaccurate must be deleted.
Product: Debt collection

The listed credit card accounts XXXX, were opened through fraud on or about the following dates XXXX. 
I documented that the accounts were opened by a divorced spouse that was able to obtain my personal information, including checking account details about me and even opened a checking account in my name. 



XXXX XXXX  XXXX, was provided copies of the FTC report. XXXX XXXX XXXX  failed to acknowledge the receipt of the documents sent to them by certified mail, nor did they update my credit report showing that the accounts were in dispute, with the necessary notations. I notified XXXX, XXXX, and XXXX, of the Fraud, and I provided requested documents to them. Each of the three credit bureaus placed fraud alerts in my credit file. I disputed each one of the accounts with the bureaus. XXXX XXXX XXXX  failed to respond to the dispute as it was filed with the credit bureaus, and instead verified the accounts as accurate. 

XXXX XXXX XXXX  did open an investigation, but did not supply any supporting information to their incomplete findings. I received a letter for each account from XXXX XXXX, dated XX/XX/2020, which stated that their investigation found no signs of fraud on the accounts, with no further information. I was not provided in writing how XXXX XXXX XXXX  came to this conclusion. I suspect that no investigations actually took place. 


Scott & Associates in XXXX Tx, filed separate lawsuits for each fraudulent account in the county in which I reside, per the direction of XXXX XXXX XXXX, and also obtained default judgements for them as well. 

How can a collection lawyer obtain judgements through the courts, when the accounts that they hold were not opened by me and have been reported as fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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

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

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Checking or savings account

I put about {$80000.00} in CD 's for my children in XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  This bank has closed down. I have not been able to retrieve my funds as of yet. I was in touch with the president XXXX XXXX who let me know I would get my funds back which he has not done that. A few years went by I had a lawyer write him to see where my money went and I have not got an answer yet. I have been calling around trying to locate my money. I called the FDIC they told me my funds should have been in First Citizens Bank, they gave me the contact number for them. I called them they said they couldn't see my money I should go into the branch they would be able to see it. I went into the branch they said they didn't see my money. I should call unclaimed funds. I called unclaimed funds they said they do not see it. I called FDIC Division of Resolution and Receivership they told me to call FDIC claims dept. So basically I have not had any further with finding my money. I had a letter stating it could be in XXXX XXXXXXXX XXXX  on XXXX XXXX XXXX XXXX Ga. SO I've been calling them and leaving messages. I have not received a all back and non one answers the phone. So today XX/XX/XXXX I went to the branch to see if I could talk to some one in person about XXXX XXXX. No one came to the door to unlock it even though I seen someone in there. 

These are all the places I called XXXX left a good survey review Checking XXXX CD XXXX and Closed XXXX who closed the accounts CIT Bank XXXX XXXX XXXXXXXX XXXX and Trust CoXXXX, XXXX XXXX, XXXX, First Citizens Bank and Trust Co. XXXX XXXX & XXXX Account No. 
Division of Resolution and Receivership XXXX XXXX claims dept fdic
Product: Credit reporting or other personal consumer reports

I looked at my report back 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. This account XXXX XXXX XXXX Account # : XXXX And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care With XXXX XXXX credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' and also kindly remove worst payment status remark as well on XXXX, EXPERIAN AND XXXX XXXX reports as well late payments reported in XXXX, EXPERIAN AND XXXX CREDIT reports associated with XXXX XXXX card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable information accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I am a victim of Identity Theft. I have items on my credit report that do not belong to me
Product: Mortgage

We have been struggling to pay our mortgage on our primary home because of the following issues : - Interest rate jumped by 5 % without adequate notice - Loss of incomes of both borrowers due to loss of employment of husband and loss of business income of wife - death in the family causing unplanned heavy expenditure The loan # is : XXXX Complaints : 1 ) We have worked with BMO loss mitigation for several months. Their process is very very laborious and set to intimidate an average borrower. They made us submit over 200 documents and many times revisions of the same documents. An average borrower would have quit easily giving way the home to BMO. 

2 ) BMO has adversely impacted the credit beginning of every month despite us being in approved forbearance plan and then working towards new trial plan. Please see attached several appeals to correct credit. Most recent one is in XX/XX/2024. 

3 ) BMO offered us a trial payment plan - but the payment amount offered us no relief. The monthly payments include escrow amounts that we have never paid before. We appealed the payment plan ( which is attached ) but was denied the appeal. 

4 ) BMO sent us expired documents to sign on XX/XX/2024- which were supposed to be returned by XX/XX/XXXX! Those are attached. 

5 ) We have dealt with following individuals from BMO : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called us and advised us NOT to email everyone and that trial plan was effective XX/XX/XXXX but BMO has STILL NOT SENT UPDATED documents. 

6 ) XXXX XXXX advised us NOT to send email to her even though she first contacted us from BMO loss mitigation in XX/XX/2024. It is very confusing who to contact in BMO and sounds like a one-way street. 

7 ) Our equity in the home is higher than BMO based on market values, but BMO has been XXXX bent on ruining our peace of mind in a difficult situation. 

Overall, BMO loss mitigation is VERY UNHELPFUL- it is intent on damaging our credit and not at all helpful in resolving the hardship even in the face of job and income loss and death in the family.