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

I have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their 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 No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure this company complies with federal law and provides consumers with the necessary proof of investigation. there is an inaccurate late payment from XXXX which is an auto loan. They are stating I have two missed payments from the company which is completely false. They also have accounts that Ive since paid off such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Because of these inaccuracies my credit score dropped over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account numberXXXX  XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
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 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 : I made my payment on time in XXXX, XXXX and XX/XX/XXXX, as verified by the attached bank statement. 
There was no delinquency on this account, and the reported late payment may have been caused by a clerical or reporting error. 
The attached payment confirmation from the creditor further supports my position that the payment was made on time. 

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 card or prepaid card

I've already filed a complaint regarding this issue which was closed prematurely. The complaint number is # XXXX. BBVA fraudulently reopened my account, in my opinion, in an attempt to get old customers to come back to revive their dying business. They acknowledged that they reopened a closed account, however, they have made no attempt to close the account. My XXXX report shows that the account is still open. BBVA USA needs to be investigated for shady practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect personal information on my credit report. I've attempted numerous times to reach Experian and get this resolved but they have violated my rights and have not done so. I have one name that I was born with, and one address that I reside at. The incorrect information needs removed immediately. 

Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX Incorrect Names : XXXX. XXXX XXXX
Product: Credit card

On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$0.00} was removed from my BankAmericard Cash Rewards Signature Visa card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : Visa and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX and again on XX/XX/XXXX. 
I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred seven times in the last eight months. 
Per a recent letter dated XXXX XXXX, XXXX form Bank Of America, signed by XXXX XXXX, Bank of America is diligently working to resolve the issue and is unable to provide a date on which the matter is to be resolved. The meaning of the word diligently, " showing persistent and hard-working effort in doing something ''. This same issue have happened for the last 7 months. Please resolve this ongoing issue so I can use my Bank of America Cash Rewards Signature Visa card account knowing I can trust Bank of America to process by account in an error free environment. In your recent reply you indicated the problem exist because I continue to remit payments to the account although there is no balance owed and/or a credit balance exists on the account. If you diligently resolve the system error that is causing this small balance adjustment the matter would be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information in my credit report provided by Equifax. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the unauthorized telecommunications account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX I have never applied for or authorized the opening of this telecommunications account. To be clear, I have not signed any documents or submitted any applications for this account. Therefore, I am requesting documented proof of the signature associated with this account. This proof should include, but is not limited to : - A signed application form - A copy of the original contract or agreement - Any other documentation that bears my signature, including information on the phone lines associated with this account.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report many accounts and credit inquiries that aren't mine and that i didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

GMFS issued XXXX separate escrow payments to our parish taxes both in the same amount of {$1000.00} on the same day. So a total of {$2000.00} was deducted from our escrow account. Immediately we contacted GMFS to notify them that they needed to correct the issue. They stated that a stop payment was placed on one of those checks and that they would refund the {$1000.00} to our escrow account within 30 days. They have not returned the {$1000.00} to or escrow account and have adjusted our mortgage payment higher than our contract dated on XXXX/XXXX/2016. Our escrow balance should be {$1900.00} and instead it is $ XXXX They have not resolved the issue and I would like to file a formal complaint.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX XXXX Account # XXXX are violation of several laws. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Since this credit agency has stated they have verified that these late payments are validate this means they have the certified mail XXXX label receipts to show the company XXXX XXXX XXXX XXXX has followed the law of 15 U.S. Code 1666b - Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my XXXX XXXX XXXX. As well as the following Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual furnishers information. 3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. Sincerely XXXX XXXX
Product: Prepaid card

Purchased 2 physical money gifts cards from Amex for {$300.00}. 

Amount : XX/XX/XXXX {$200.00} card and XX/XX/XXXX {$100.00} card Date purchased online : XX/XX/24 Transaction Denied : Date Denied : XX/XX/XXXX Declined -XX/XX/XXXXXXXX, NV ( using both gift cards in person to part pay for the hotel room ) Also tried using online ( denied ) - Seeing others on XXXX having a similar issue. Not able to contact a person at customer service who can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA requires consumer files accurate and complete. Want account to list on credit report entire payment history & updated status ; date account was opened and closed ; credit limit ; high credit limit ; balance, high balance ; list in payment history section year and month payments were 30,60,90,120,150, 180 days late and charged off date. 

XXXX XXXX XXXX informed me that account is owed by them effective XXXX. And XXXX does not own account, however account is 100 % inaccurate. 

Attached is document from XXXX XXXX XXXX stating their ownership. 


Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues.

the CFPB, together with the Federal Trade Commission ( FTC ), filed an amicus brief in Sessa v. Trans Union , LLC, a case in which a consumer sued XXXX, one of three nationwide credit reporting companies, for violating the FCRA. There is no dispute about the facts : XXXX reported on a consumers credit report that she owed nearly {$20000.00} on a car lease that she actually didnt owe under the plain terms of her lease. 

The consumer sued XXXX, arguing that it had violated the FCRA by failing to have reasonable procedures to assure the information on her report was accurate. XXXX argued that it couldnt be responsible for failing to do its duty because the error was legal rather than factual. XXXX also argued that the incorrect information couldnt be inaccurate because it was provided to XXXX by the company that financed the lease. 

The brief filed by the CFPB and FTC points out that the FCRA does not contain an exception for legal inaccuracies. Rather, the law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. While XXXX argues that the inaccuracy on the consumers credit report was based on a legal dispute, the error was simple and straightforward : XXXX reported that the consumer owed money that she clearly did not.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8400.00} XX/XX/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 15 U.S.C, 1681section 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. 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 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

In alcordance with the XXXX credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
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Product: Checking or savings account

Hello, XXXX Citi Bank account has been blocked since XXXX because I did'nt take action in time when Citi emailed me. Ever since then, I have tried so many times to unblock my account. Yet, it never worked. 

Everytime when I contacted Citi Bank, I provided all information they need, such as account number, name, secturity word etc. But they always said they were not able to verify my identity and they would contact the account holder later. But they never contacted me. 

It has been alomost XXXX years, I still don't have access to my account but keep receiving promotion emails from Citi. 

Please help me with this case. Thank you so much! I really appreciate your help, thank you!!
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I made a lump sum payment amount and started paying the loan weekly. Starting in XXXX, I was unable to make principal only payments until the " payment due '' was paid but was told when I make extra payments that my " payment due '' is still due. This is contradicting. Anyway, once I make the payment in full I am allowed then to make " principal only '' payments. However, I don't believe the payments have been applied correctly. I had to call several times to request my payment be re-allocated to the principal which I'm not sure was ever completed but they are still accepting my " payment due '' When I ask for clarification I am either told the same " law '' with no enforcement of my loan detail with payment or I am told something completely different. Even with email communication or calling. 

Now I submitted a payment ... ... ... ... ... ... ... again ... ..and now it went towards my " payment due '' leaving me with a partial payment due on the XXXX. I went to pay it in the total amount plus the difference in hoping to pay the difference to the principal. Well again I no longer have the option. My option is to either apply the total amount to principal or towards the next payment. 

When I try to split the payment to make the " payment due '' then another to apply to the principal it tells me that the payment is less than total amount due in turn not allowing me to complete the total amount due plus an additional principal only payment. 

In addition to this complaint, every time I've asked for a ledger of payments against principal they tell me they can not produce it but have one time.
Product: Credit card or prepaid card

I couldn't pay the money to get my credit score I'm on a fixed income
Product: Credit card or prepaid card

During the Covid pandemic although I am a XXXX and was able to work through the pandemic, my husbands job was not deemed essential so he was not able to work for a short period of time and so our household was dependent on my income alone, and although we attempted to pay all of our existing bills. We unfortunately fell behind on the payments on our card.. we were latte 4 months XXXX and XX/XX/XXXX and XXXX XXXX. We have since then made all payments on time and have paid off the balance and not missed a payment since XX/XX/XXXX.