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

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an inaccurate late payment entry on my credit report that I have been unable to resolve. The late payment is unjustified and should be removed. 

In XXXX XXXX  unauthorized charges were made on my XXXX XXXX, which I promptly reported to XXXX for investigation. Since the charges were under review, I did not make payments on those disputed amounts while the investigation was pending. However, during this time, a late payment was wrongfully recorded on my credit report. 

After completing their investigation, XXXX refunded the disputed transactions and confirmed that I should not have been considered late on any payments. I have case reference numbers for these investigations : XXXXXXXX XXXX XXXX. Additionally, I possess documentation proving both the disputed charges and the corresponding refunds issued by XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all reported information is accurate and verifiable. Since XXXX itself has confirmed that I was not late on any payments, this late payment entry is an error and must be corrected immediately. 

I am requesting the CFPBs assistance in ensuring that this inaccurate late payment is removed from my credit report. This error is negatively impacting my credit profile and financial opportunities, and I expect it to be resolved in compliance with federal consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS MENTIONED DO NOT RELATE TO ANY TRANSACTIONS I HAVE MADE IT IS A RESULT OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Experian that they were reporting inaccurate information in regards to my bankruptcy. I received a letter stating the the information had been verified. I followed up with a letter asking to provide me with who and with whom the account had been verified with. I was not given this information only that it had been verified.
Product: Debt collection

I am filing this complaint against Jefferson Capital for reporting inaccurate and non-factual information to my credit reports regarding a XXXX XXXX account. This alleged debt does not belong to me, as I am a current XXXX XXXX customer, and my account with XXXX is active, in good standing, and paid directly to XXXX. 

I have already disputed this information as it is completely inaccurate. Despite this, Jefferson Capital continues to report this false information, negatively affecting my credit profile. It is unacceptable for them to report a debt that is not mine, especially when I maintain an active and current account with XXXX XXXX.
Product: Checking or savings account

Account was charged {$97.00} late on XX/XX/XXXX, this put my account into the red. 

I called on the XXXX, customer service was unable to dispute the charge at the time and was unable to set up fraud alerts on my account ( which I had never turned off ). 

On the XXXX I was able to lock my card & file a dispute on the card through Allys website. 

In this time I never once lost my card or disclosed my PIN.
Product: Credit reporting or other personal consumer reports

I have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Transunion, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the COVID-19 pandemic. As a result of the unprecedented circumstances created by the COVID-19 pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner. In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Transunion, report accurate and up-to-date information. Given the unique circumstances brought about by the COVID-19 pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by TransUnion. TransUnion is also reporting my XXXX XXXX account as open with a balance this is incorrect. My XXXX XXXX account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTHING HAS HAPPEND IS MY ISSUE, NO SCORE 'S?.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an account that was never. I've tried several times to have TransUnion remove this from my credit file. As of today it is still showing as a delinquent account. This has hurt my credit score as well as having an effect on me moving forward to seek any loans or new credit cards. Creditor is XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX. I would like this removed from my file immediately. Thank you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

Please See Attached Documentation 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 ) 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.
Product: Credit reporting or other personal consumer reports

Ive never heard of XXXX XXXX XXXX XXXX never used it
Product: Debt collection

Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, i have not gotten a response
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. 

PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 BBVA " Compass Bank '' at XXXX XXXX XXXX, XXXX Texas XXXX improperly took possession of what the teller thought was a counterfeit ( XXXX dollar bill ). 

On XX/XX/20 The United States Secret Service was contacted at the XXXX Texas Field Office. The Special Agent indicated that the Serial No. { XXXX } which the bank alleges was fake IS NOT in their system as coming up as fake. 

Moreover, the same bill that Compass Bank at the above location is alleging is fake originated from Compass Bank @ XXXX XXXX XXXX. XXXX Texas XXXX XXXX XXXX XXXX XXXX. 

So if the U.S. Secret Service is in error ( highly doubtful ) and Compass Bank at XXXX XXXX XXXX is correct ... there is still the problem that the bill originated with Compass Bank at XXXX XXXX. 

What I want is the {$100.00} to be returned to rightful owner.
Product: Debt collection

Sent letter end of XXXX to request account documentation to provide proof of debt. Never received. Then received notification that I was being sued by this debt collector, each time I call I get different information. Phone calls have been recorded, they are giving me the run around and refusing to provide proof of the debt. They say their phone lines are messed up or provide # s that dont work, they tell me to call back later. I have asked 3 times who the attorney is in the case and am told 3 different answers. I finally placed the debt into dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received information from XXXX of a Public Record on my credit file. I was curious and wanted to find out where this information came from. I found out that part of the information came from a company called Lexis-Nexis. I never did business or heard of such a company so I contacted them to see what type of business this is and where did they obtain their information. They explained that they were not a credit agency although they collected and distributed information on consumers. I asked since they are a source of information for businesses is their any requirements that they should obtain authorization from a customer before they sell or share such information? 

This is found on the website : Please note that LexisNexis Risk Solutions is not a credit bureau and does not maintain a database of credit information. We do not have the ability to add a security freeze to your credit file. 
If they do not maintain credit information then their access appear to be unlawful and possible fraudulent. Please share your information in regards to this company. As XXXX of Lexis-Nexis that they are in compliance with all regulations. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today beacuse I am frustrted ith your negligence and incompetence when it comes to reporting of my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit repoorting Agencies are required by law to remove & block any accounts ans information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$130.00} 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 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 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. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I made a mortgage payment in the amount of {$1500.00} to XXXX on XX/XX/XXXX, via ACH payment. At this time, my loan was being transferred to Specialized Loan Servicing. Realizing I should have waited to pay directly to SLS, I contacted XXXX about the payment. They assured me they would forward the payment to Specialized Loan Servicing. I contacted SLS regarding the matter. I was advised by SLS not to make an additional XXXX payment, as it would be applied when transferred to them. After waiting for an extended period of time, I contacted Specialized Loan Servicing to see why the payment hadn't been applied yet. SLS claimed they never received the payment. XXXX provided me with a copy of bulk check number XXXX with FedEx tracking XXXX, and claimed that my {$1500.00} payment for XX/XX/XXXX was included in that check to SLS. I contacted SLS  again and gave them the information. They insisted they had not received it but would open up a dispute with the information I had provided. After several failed attempts to resolve the issue with customer service directly, I wrote a formal notice of error to Specialized Loan Servicing. I provided them the information given to me by XXXX that showed the payment had been received and deposited. After conducting their research, they provided an official statement claiming that they did not receive any payment, and that there was no error on their part. I then submitted a formal notice of error to XXXX advising that Specialized Loan Servicing conducted research, and concluded no error on their part. XXXX responded again stating that the payment had been forwarded to Specialized Loan Servicing, and this time provided me with a redacted copy of the itemized account list contained in the bulk payment. 
I have evidence that the check with my specific payment was received, signed for, and deposited by Specialized Loan Servicing, yet they refuse to apply it to my account or refund it to me as requested in my formal letter to them. 
While my payment was being disputed with SLS, I continued to make on time payments for XXXX, XXXX, and so on. I was told I did not have to repay the XXXX payment while it was under dispute. Nobody contacted me to advise the dispute was over. This labeled my XXXX payment as late. My XXXX payment was instead applied to XXXX, and my XXXX payment was applied to XXXX. I contacted their customer service multiple times trying to resolve the missing payment with no resolution. Once I discovered the dispute was closed, I made an additional payment to cover XXXX and avoid penalty. It wasnt until I requested my mortgage insurance be removed after the new year of XXXX that I discovered they had labeled XXXX, XXXX, and XX/XX/XXXX payments as late. Because of these late payments, SLS has refused to remove mortgage insurance.
Product: Credit reporting or other personal consumer reports

i, XXXX XXXX I am writing to formally demand action regarding my dispute, in which I have provided a notarized affidavit as evidence. A notarized affidavit is a sworn statement certified and verified by a notary public, affirming the truth of its contents. In my affidavit, I declared under penalty of perjury that my identity was stolen, and fbi has caught the suspect who opens these accounts and they informed to submit a ftc report thats been notarized. I did not open or authorize any of the accounts in question. I also certified that the bank accounts under dispute are not mine. Under federal law, my notarized affidavit stands as truth unless effectively rebutted. If Early Warning or the associated financial institutions deny my claims, they are required to submit a sworn affidavit, under penalty of perjury, rebutting my statement. Failing to provide such evidence violates my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information regarding my credit accounts, as listed on my recent credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681e ( b ), I request an immediate investigation into the following accounts, which I believe are incorrect and need to be removed from my credit report due to their negative impact on my credit score.
Product: Checking or savings account

On XX/XX/year>, I did not received my early direct deposit. Which raised some red flags but I figured it would be fine. XX/XX/year>XXXX  rolls around and I STILL havent received any emails, any deposit, nothing, so this prompts me to go to XXXX  and see if anyone else is experiencing issues. Come to find out, basically EVERYONE has not received their direct deposit and some have even lost access to their account. I called my bank, Capital One, to see if I could get a REAL answer and possibly an ETA on when this would be resolved and I was on hold for I think 20ish minutes and the representative just stated the same thing that Capital One had been replying to peoples posts on XXXX. They are having technical difficulties and it should pick back up last night into today but I woke up this morning and I still dont have my direct deposit. Capital One has not handled this issue in the best way to assure the people theyre actually working on fixing the issue and havent given a proper ETA . We all need our hard earned money as this is our lively hood and we worked hard enough to deserve it! I was supposed to receive a direct deposit of I think {$810.00} and I dont have it in my checking account yet. This is outrageous!
Product: Checking or savings account

Hello, Back in XXXX, I received a check from the XXXX for {$180000.00}. I deposited the check into my BoA Business Checking account and the account has been locked ever since. I have not been able to access not even a PORTION of the money. It seems that sometime between the initial blocking of my account and today, BOA has closed my account and claims they issued a check back to the XXXX. 
I have caught BOA lying multiple times. I've called the XXXX and they have repeatedly told me that they have not received a check from BOA. In fact, the original check was made out to my business/me therefore the refund should've been issued to me. In the eyes of the XXXX, the check they originally sent me was deposited. 
Please have BOA conduct an investigation on where that check is and have it immediately reversed and sent to me. 
It's alot of money and I am very nervous something might have happened to it. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed my XXXX XXXX continue to be listed as negative marks for XXXX XXXX and XXXX on account # account # s XXXX, XXXX and XXXX. In fact the XXXX mark is listed as 60 days late. For that to be 60 days late it means XXXX wasnt paid till XX/XX/22. Beings they posted the 60 days late on XX/XX/22 truly backs up the claim that all posted marks have been done wrong and not reflected correctly.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX  XXXX XXXX I 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: Checking or savings account

Yesterday morning someone opened an account using my social security number and my email address with Bank of America. Icalled the company and got the account closed but I wanted to make sure this didn't happen again. I used XXXX to see that XXXX had a leak last summer where my SS # was exposed.