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

XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.
Product: Debt collection

I AM CLEARLY A VICTIM OF FRAUDULENT INFORMATION, AS THESE ACCOUNTS ARE NOT MINE AND MUST BE TAKEN OFF FROM MY REPORT
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to HumanTrafficking debt bondage, which falls under trafficking according to Trafficking-DebtFinal 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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX .... balance {$8200.00} XXXX XXXX XXXX XXXX .... balance {$9800.00} XXXX XXXX XXXX XXXXXXXX ... XXXX {$21000.00}
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Checking or savings account

Citi bank is a most of 4 big banks in USA, But I didnt think that they have such a bad chat, long phone wait time and the worst part is online banking - access limit to everything for checking account customers. To dispute the transaction, I need to print a paper form and fill out a pen, then scan and send them. This is a very old form method. My problem is that after I sent them a form to dispute the amount of {$400.00}, I did not notice anything. In the chat they say call dispute team, but there the waiting time is long. 
Is it impossible to simply operate your online banking for access for all needs?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the letter with your dispute results and I need to know WHY these accounts are still remaining or you are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from your company! These accounts are still reporting errors.Each one has different accounts open dates. Thats inaccurate right? How can this be?! Please explain to me how your agency has so-called verified these accounts? Im allowed to ask and youre REQUIRED to answer.

So how did you do it?!

Who did you talk to in the creditors office?

Did you send them the information about the account that I sent in?

How did you send it to them?

Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have What did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified?

The FCRA says that you have to tell me this within 15 days if I ask. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified.

If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct.

Any automated response or e-Oscar verification is unacceptable. I am requesting a RE-Investigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of them clearly stated they had no proof i ran my credit with them and didn't know where the inquiry came from. Every time i try disputing they just update it.
Product: Student loan

I got a student loan from Discover bank in XXXX. I can not find the original promissory note. Although I have an account with them online, there is no promissory note there either. This loan originated in either XXXX or XXXX in the amount of {$6800.00}. My payments to date total {$8500.00}. Discover says I still owe {$4000.00} and have 48 payments left. The math does not add up. How can I possibly still owe {$4000.00} on a XXXX loan having already made over {$8000.00} in payments. And without a promissory note, I have no idea to reference the original terms of the loan. I have requested XXXX. I have not received XXXX. I find it hard to believe that a loan for such a small amount would have a maturity date of XX/XX/XXXX as they claim. That is a 20 year gap.
Product: Student loan

I finished XXXX school XX/XX/1998 with XXXX in student loan debt. I was told by Navient XXXX then XXXX XXXX ) that I was ineligible for IBR and would have to put the loans in forebearance during my training. When I finished my training, my loans had ballooned to almost XXXX. Payments were then being allocated strangely to future interest and when I called they could not explain this. These people are criminals.
Product: Debt collection

XXXX XXXX has called family members and discloded my information to another family member.
Product: Credit card

Prior to my XXXX XXXX XXXX statement, Fortiva Credit Card / XXXX XXXX XXXX  had been charging me a $ 5 Monthly " account maintenance fee, '' as agreed.

As of my XXXX XXXX XXXX statement Fortiva Credit Card XXXX XXXX XXXX XXXX raised the monthly account maintenance fee to {$7.00}, without my agreement or approval, and without the mandatory 45 day written notice of their intention to do so and my option to opt out. 

This account has been at all times since its been opened, in good standing and paid in full each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union illegally and negligently put a fraud alertb on my credit report without authorization. There is also am XXXX XXXX inquiry that was not authorized either.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Re : Dispute of Inaccurate Debt Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting on my credit report. The creditor, XXXX XXXX XXXX, claims that I owe an outstanding debt ; however, I have not signed any agreement acknowledging this debt. I believe that this claim is inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Debt : XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$3600.00} I am requesting that this debt be investigated thoroughly, as I believe this reporting to be in error. The absence of a signed agreement between myself and the creditor calls into question the validity of this debt. 

Please take the necessary steps to investigate this matter with the creditor and remove or correct any inaccurate information that appears on my credit report. If additional information is required to proceed with this investigation, I would be happy to provide any documentation necessary to support my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this issue. 

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

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Chase tripled our mortgage by completing an incorrect escrow analysis. They do not understand the nuisance of XXXX XXXX unique way of handling a XXXX  family home that has converted to a condo. Their analysis completed on XX/XX/XXXX assumes we will be paying a much higher tax rate than reality. 

They compounded this mistake by assuming our tax rate was XXXX at the last analysis. The combination of having at XXXX for XXXX  months and over estimating future taxes means their escrow analysis is around XXXX XXXX 

Despite repeated attempts to contact them about the analysis being wrong over the past 12 months they have not fixed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Contained therein was an account for Nissan Motor Acceptance under account number XXXX. <P/><P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and XXXX credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/><P/>I disputed the erroneous late payment with Nissan Motor Acceptance, in addition to XXXX, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/><P/>On or about XX/XX/XXXX Nissan caused this account to be " updated '' at the XXXX, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/><P/>My credit score at the XXXX, XXXX and XXXX consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/><P/>I contacted Nissan, in addition to XXXX, XXXX and XXXX to report the error. Nissan Acceptance advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/><P/>I entered a dispute on XX/XX/XXXX with XXXX, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Collection XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$570.00}
Product: Checking or savings account

i disputed a {$500.00} charge and they claimed it wasnt paid
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were NOT authorized : - XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with CONN CREDIT CORP/ CONN APPLIANCES INC . Upon reviewing my credit report dated XXXX XXXX, 2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

I had freezes in place at all 3 bureaus. I am trying to get a mortgage so I unfroze my file at each bureau several days ago. My accounts all say they are unfrozen. My mortgage broker is trying to access my credit report but keeps getting notified that my credit report is frozen at all three. 
Experian : File frozen due to federal legislation XXXX : Report frozen-consumer requested security freeze on his/her credit file-report unavailable XXXX  : Report frozen-The consumer has placed a security freeze or lock on this file I have spent many hours on the phone with customer service, speaking with actual humans, at all three bureaus. I keep being told that my files are unfrozen and they can't find any issues. XXXX did at least say that there was some kind of technical issue that they had to fix, but it was supposed to be fixed by now and still is not. 

I am about to lose out on an affordable home despite having great credit because these monopolistic companies are screwing me over. Now I'm lighting candles to XXXX XXXX for help.
Product: Debt collection

I reported fraudulent charges on my credit card from American Express to the company since XX/XX/2024. American Express is still asking me to pay those charges. I have corporated well with them to conduct their investigation. I have even found and visited the suspected fraudster 's home with the XXXX Police and couldn't meet the fraudster. I lodged a complaint with the XXXX Police and sent the full police report to American Express. I am doing everything I can to help with the investigation. I don't think I should pay these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/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 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

This is not my account, please verification, method of verification and validation of debt. 

I was unaware of this debt and did receive a notice, so I did not have the opportunity to dispute. 

XXXX XXXX # XXXX
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. 

Account XXXX : # XXXX, Account XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.U. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more that seven years.

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 or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX  XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Late 30 Days Last Reported : XX/XX/XXXX Disputed Late Payments I have identified two late payments being inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time, as reflected in my records. I am requesting that TransUnion correct this error and update the account status to " Paid As Agreed Never Late. '' Request for Investigation and Documentation Under the FCRA, 15 USC 1681i ( a ) ( 7 ), I am requesting : A description of the investigation process used to verify this accounts information. 
Documentation of the evidence supporting the reporting of late payments. 
If TransUnion can not provide verifiable proof of these late payments, I expect the inaccuracies to be corrected promptly. 
Attachments For verification purposes, I have included : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

They are calling my parents threatening them with collection of my " unsettled '' debt, and faxed my place of work. They never tried to contact me. This debt has been settled. It was settled in 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

I have a public record from your court appearing on my credit report. Ive disputed the item with the credit bureaus XXXX, XXXX, and Transunion- all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

XXXX XXXX XXXX Bankruptcy Im not sure what Legal Authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow, or share any public information with you. Youll need first- hand knowledge because theyre the primary creditor! Remove the report and update it with a new one. 

I have previously disputed this item with you XXXX XXXX Bankruptcy case and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.