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

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

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXX XXXX : It appears there was a clerical error in how XXXX XXXX processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the 30-day delinquency threshold. I also included copies of emails from XXXX XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

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

On XX/XX/XXXX I attempted to call transunion to resolve an issue that kept occurring causing me to not have access to my credit report and getting denied due to not being able to verify my identity. When I called I was able to reset my password but they had to transfer me to a different department to find out whats wrong w my credit report, after they transfer me to their online department I wait some time before saying hello several times. The person on the other end mumbled something then fell back asleep. I then got frustrated and hung up cause the guy was talking over me I asked to speak with his supervisor and he didnt respond we had to yell into the phone for his response
Product: Credit reporting or other personal consumer reports

I sent dispute letters to all credit bureaus about accounts on my credit report and they told me its not on my account but when I check my credit report it still shows the things they say they took off still reporting and the inquiries are still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a certified letter to this collection company requesting validation of the debts placed on my credit report. I recently mailed a letter in which they received either XX/XX/2021or XX/XX/2021. In this request for validation, I requested validation within 30 days pursuant to the fair collection practices. They have failed to provide any information to validate the debt. They also continue to report negative information on my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

While being in my bank account information i saw a different address where i do not live nor is it my mailing address I left it alone. A few days ago i get my credit score and i see that it went down a good amount i pay in time and have not had any problems what so ever until i see that i have 3 hard inquiries and thats why it went down. I would like this inquiries away because I didnt start any applications and havent opened one. This will not allow to get a mortgage and im looking into this but with the inquiries still there it wont be much of a help. I have already reported to identify theft. 

Thank you
Product: Credit reporting or other personal consumer reports

I have tried to get this information fixed on my account because it doesn't belong on there and the company still keeps it on there. Please get this information off of my account now. The accounts are : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX , XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXThis is all that they have on my report and if I hadn't looked I would have not known that my credit report is a stowing place for junk.
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. 


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

Refuse to validate. Reporting erroneous info. Never late/past due in XXXX XXXX XXXX XXXX Auto loan & line of credit. 

Delete immediately as it is adverse. Ive submitted several legal affadavits over the months but they refuse to validate. 
Only says it belongs to me with no proof.
Product: Credit card

I 've been blacklisted with Chase for no reason. Now, when I apply for credit, I get automatically denied. I have no recourse as to how I can rectify this with them. I feel this is discrimination as I did nothing wrong. I was never late on any payments. I always paid my cards on time. I was approved for every card that was issued to me. Then one day they closed all my accounts and have blacklisted me since. There was no reason given.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

So I have tried multiple times to dispute inaccurate information on my credit report with Experian. They have removed collections and then added them right back. Not only that but theyve done investigations and verified the debt as accurate after a couple of days. The first one is the collection on my credit report by the collection agency named XXXXXXXX XXXX XXXXXXXX the collection account is for the amount of XXXX XXXX I have no knowledge of this account or the charges. Not only that but I also noticed that for that collection my physical address wasnt even correct, they have an address on there that I never even lived at. That address being XXXX XXXX XXXX thats the address that was on the credit report. I submitted a dispute and stated the address on that collection was not correct. Experian deleted that address and still somehow verified that debt as correct even though the address was not mine. So the collection was added back on my account. I first disputed this account XXXX of XXXX. And I also noticed I have 10 hard inquiries on my credit report that I did not authorize. I also requested to have these removed as I did not authorize them. If I did not authorize or have knowledge of these hard inquiries why havent they been deleted from my report? This has happened with every collection on there from XXXX  Ive requested they be deleted but none of them have been investigated properly or deleted from my report. Theyve either been improperly investigated or deleted and added back. The XXXX collection included with the amount of XXXX. This collection was part of an authorized user who got a phone in my name and I asked that Experian investigate this in my dispute and somehow this was also verified as accurate which makes no sense! How were these accounts I did not authorize from collection agencys all verified accurate? Please assist me with this. I have XXXX children and cant get approved for anywhere to stay because Experian refuses to delete these errors. The other credit bureaus have removed some of these errors for me but they have failed to do so
Product: Credit reporting or other personal consumer reports

I asked these companies to send me prof that these were my bills my credit has be compromised due to identity theft from breach of several companies being hacked
Product: Bank account or service

After Filling report with the Consumer finance about my over all experiences with Bank of America. The Banking Company sent me letter & banking statements in the mail. The letter stated They respectful decline my request for reimbursement. with this in mind, by reading the letter that was send from XXXX on the companies behalf, she did n't really do any research on the account. letter that was sent be to me by XXXX stated as follow, brief summery : ( There was no overdraft fee on the account. or Error/s ). I called in on the date after the funds where taken out of my business account. The agent that i spoke to was very helpful and under standing. The agent lifted the overdraft fee and and place on my account an Cr in the amount of {$150.00}. told me thats all she was allowed to do at that time. I am not sure if she made and case on my behalf for the remaining amount of {$280.00} that I am seeking an Cr for. When XXXX called in, she did n't ask me anything when calling just asked me how i would like to be contacted. I just think morally unjust and wrong the process that was taken after i was told the amount of XXXX was now permanent. They lied to me the consumer. someone that in trusted there money in your home for safe keeping. No matter how small the amount. As I am writing this i cant help but to feel distraught. Feeling unheard as an consumer. The fund where debited from my account with out any notice or letter date when the funds would debited from my account. an this is morally wrong with out and doubt. I would like to say that I am grateful there are banks that allow consumers to use their banking home system for our money safe keeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need it removed.
Product: Vehicle loan or lease

I purchased a used car at the end of XX/XX/2023. Two days later I went to the dealership and had them add an extended warranty. The dealership said they would have to redo the first contract. I cancelled the extended warranty the next week because I got approved for a refinance with XXXX XXXX XXXX. The refinance happened in XXXX because I was supposed to make my first payment to Truist in XXXX. However, the dealership sent in the second contract after the refinance and now Truist is saying I owe them the monthly note and they have reported that my payment is past due. I disputed this on my XXXX credit report and somehow it was verified as being correct.
Product: Credit reporting or other personal consumer reports

XXXX is reporting that XXXX accounts have the status paid in settlement. From XXXX to XXXX, I made several purchases. XXXX XX/XX/XXXX was the first purchase XXXX was paid in full never late, yet the status states paid in settlement. XXXX XX/XX/XXXX due to good payment history XXXX allowed me another purchase XXXX. All payments for that account were made on time never late and the account was paid in full. Again this account status is listed as paid in a settlement. XXXX XX/XX/XXXX again XXXX allowed me to make another purchase XXXX. As with the previous XXXX accounts, all payments were made on time, never late, and paid in full. Again this account status is being reported as paid in a settlement. XXXX then allowed me to make another purchase XXXX. On the account ending in XXXX, all payments were made on time, never late, and paid in full. I have disputed the XXXX accounts with XXXX and the credit bureaus. XXXX and the bureaus kept false, inaccurate data on my credit file. The bureaus failed to validate and verify the information according to the FCRA. 
XXXX continued to grant me credit on XXXX XX/XX/XXXX account ending XXXX. This account status is correct but have alleged late payments. I disputed this with the bureaus and XXXX back in XX/XX/XXXX which they both verified in the XXXX  XXXXXXXX XXXX system but the payment ledgers show that all payments were made on time or in advance. I never just paid the minimum payments and was ahead often. On XXXX XX/XX/XXXX, I made a payment for XXXX which covered XXXX and XX/XX/XXXX. The ledger proves no late payments. 
XXXX opened my last account in XXXX in XX/XX/XXXX. This account has payments reported as late which is inaccurate. I paid ahead, on time, and never paid late leading to the account being paid in full. Again this was disputed but XXXX and bureaus verified and validated false information. 
The reporting of this false, unverified, inaccurate data is a violation of the FCRA and harmful to my character and credit worthiness.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and formally dispute the failure to reinvestigate the improper removal of my credit card account with XXXX XXXX ( Account Number : XXXX ). Despite my previous request for a thorough review of this matter, no meaningful action has been taken to address this issue or correct the error. 

This account was closed based on an alleged fraud concern, which I have repeatedly clarified is unfounded. I have provided all necessary documentation and information to demonstrate that I legitimately opened this account and that no fraudulent activity occurred. However, the failure to reinvestigate this matter and ensure a proper resolution has caused undue harm to my credit profile and financial standing. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), financial institutions and the CFPB have a duty to investigate disputes promptly and accurately. The continued inaction on this matter constitutes a violation of my rights as a consumer, and I demand immediate corrective action. 

For your reference, my identifying information is as follows : Full Name : XXXX XXXX XXXX of Birth : XX/XX/1986 Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX SC XXXX I expect the CFPB to immediately initiate a comprehensive reinvestigation into this matter and compel XXXX  XXXX to rectify their error. I further request a written explanation detailing the steps taken to resolve this dispute and the outcome of your investigation. 

Should this issue remain unresolved, I am prepared to escalate my complaint to other regulatory bodies, including seeking legal counsel, to ensure that my rights are upheld. 

You may contact me directly at XXXX or XXXX for further clarification or additional documentation. I demand prompt action and a resolution to this ongoing issue without further delay. 

Sincerely, XXXX XXXX
Product: Credit card

Private Notice XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX American Express Company XXXX XXXX XXXX New York, NY XXXX Effective Date : XX/XX/year>2024 Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX am now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802. 
I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed. 

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever I try to access my XXXX credit reports. In trying to verify who I am, they asked questions like what company is my mortgage with or myself mortgage amount. Or they will ask about my car loan company. I do n't have a mortgage or a car loan in my name so I think someone has secured loans in my name without my knowledge. I have no idea how to confirm or rectify this information. I called XXXX and they send me to every department they have without me being able to even notify the correct authority about my issue.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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 set up an account with XXXX, Equifax and XXXX so I can look at my credit report on scores online, and after a few days XXXX and XXXX is saying i have the wrong log in. Equifax says my file is blocked and just shows null on every page. I have made countless attempts to contact someone but the numbers send me into a loop and then hang up on my. I have sent them a letter about this problem and received no response.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMP Employers : XXXX XXXX HOUSE