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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect Reporting Due to Closed Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

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

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

I am XXXX XXXX XXXX and on XXXX XXXX I made a {$1500.00} deposit by XXXX Bank check into my Bank of America checking account. I have been a BOA customer since 2009. The bank put a hold on this deposit and turned it over to the Risk department which still has not released my monies ( 8 days now ). In the meantime, I am unable to pay my utility bills, buy groceries or fill my medical prescriptions. I continue to receive contradictory statements from BOA on why my monies are being held and when they will be released. 
I have made numerous calls to people at BOA to understand why they would do this, and I keep receiving contradictory information. Today, I heard for the first time that a XXXX Bank account representative told someone at BOA that my check would be returned and that the money was not available. The {$1500.00} was immediately removed from my XXXX Bank account and i do not know why anyone would make that statement. I have yet to find anyone at BOA who can tell who they spoke to at XXXX Bank who made that statement. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 XXXXXX/XX/XXXX
Product: Consumer Loan

I already paid {$740.00} on a {$300.00} loan with another {$400.00} to pay
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 15USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 5U.S.C1681section6 0 2A. States I have the right to privacy.

1 5U.S.C1681Section6 0 4ASection2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5U.S.C1681c. ( 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.

1 5U.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 information is inaccurate.
Product: Debt collection

Previous debt collection for {$5700.00} for incomplete lease at previous apartment in XXXX. This debt was set to be collected by ProCollect LLC. The debt was then transferred to XXXX XXXX XXXX in XXXX. I paid this debt in full for the deletion of {$5700.00} owed to XXXX XXXX XXXX  on XX/XX/XXXX. While the debt has been deleted through XXXX XXXX XXXX, ProCollect LLC has continued to try to collect on this debt and has verified it is still owed through the three major credit reporting agencies. Per FDCPA, both reports should be removed as the debt has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered the Transunion credit reporting site to freeze my credit account due to the recent XXXX debacle. I did a search on the site for " credit freeze '' and received a link to accomplish that. 
I completely filled out the form provided and gave them my credit card info assuming there was a fee for the service. A few minutes later I received a confirmation email that stated I had signed up for the Transunion credit monitoring and I would be charged XXXX per month for this service. 
I immediately called the customer service number. I initially talked to a person with a heavy XXXX accent who claimed to be in Minnesota. He indicated that there were several people experiencing the same problem I had and gave me a billing no. and a freeze no. to call. 
I called the billing number and explained what happened. The rep indicated the service would be cancelled and I would not be billed. She provided a confirmation number XXXX. She also had a foreign accent and refused to state what country she was located in. 
On XX/XX/XXXX my XXXX account was charged {$19.00} for the service. I have since protested the charge to XXXX. 
Transunion is practicing fraudulent and deceptive actions to defraud consumers. 
Extremely worrisome is their practice of outsourcing their customer service to foreign nationals, further placing consumer information in jeopardy to make more profit. 
My wife XXXX XXXX XXXX also had this same experience on XX/XX/XXXX and is also protesting the XXXX charge to her XXXX account.
Product: Debt collection

I, XXXX XXXX, consumer, am submitting this communication to inform ENHANCED RECOVERY COMPANY XXXX. XXXXXXXX XXXX {$160.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt.

In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. 
I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. 
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX  report an inquiry in my credit report from XX/XX/year> by XXXX XXXX XXXX. I have no knowledge of authorizing this inquiry, neither or have an account with this company.
Product: Credit reporting or other personal consumer reports

I have been trying for two days to simply put a freeze on y credit report with Transunion as I have easily done with the other agencies. They require you to have an account and, when I tried to register with an account, their website says I have an account under email address XXXX. They give you a aphone nuber but no one answers. When I try to use there find login credentials it tells me to go to XXXX or XXXX to chat. I do not use XXXX  and have an old XXXX account. I tried chatting and was told to fil out this form ; XXXX XXXX XXXXtransunionXXXX That doesn't work either. 

Can anyone get Transunion to XXXX. Freeze my credit report XXXX. Provide me with my account user ID and password so that I can unfreeze it when necessary? 
This company is a nightmare when trying to perform basic tasks that are so easy with their two competitors
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a distressing discovery I recently made regarding my credit report. As an older individual who had never actively monitored my credit report before, I have been shocked to uncover evidence of identity theft and unauthorized activity. 

XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 Unfortunately, due to my oversight and lack of vigilance in checking my credit report regularly, I was unaware of this fraudulent activity until now. It deeply troubles me to realize that my personal information has been compromised and misused without my knowledge or consent. 

Upon reviewing my credit report, I discovered several suspicious entries and inquiries that I do not recognize. It has become apparent to me that I have fallen victim to identity theft, and I am deeply concerned about the potential ramifications on my financial well-being and reputation. 

As an elderly individual, I rely on my good credit standing for various aspects of my life, including financial transactions and accessing essential services. The discovery of this identity theft has left me feeling vulnerable and anxious about my future financial security. 

I urgently request your assistance in resolving this matter and restoring the integrity of my credit report. I understand that rectifying cases of identity theft can be a complex process, but I implore you to expedite the investigation and take swift action to remove any fraudulent entries from my credit report. 

Furthermore, I kindly request that you provide me with guidance on additional steps I can take to protect myself from further identity theft and safeguard my personal information moving forward. 

I appreciate your attention to this urgent matter and look forward to your prompt response and assistance in resolving this distressing situation.
Product: Debt collection

I am a victim of identity theft and this account from XXXX was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I am making formal complaint this credit union because they close checking account in XX/XX/2020 for no reason. I was with this credit union for 2 years and never had these problems.This was despite depositing XXXX dollars into my account. I left my savings account open. In addition, they put me in collections on XX/XX/2020 for XXXX for no reason. 
They didn't sending me anything explaining why they close my account or why they put me in collection s.I would like this credit union to stop trying to ruin my credit overall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 90 days I have contacted the XXXX and Equifax regarding unauthorized hard credit inquiries on my credit report. I have initiated disputes with each company and no changes were made. 

I have mailed in a letter stating the unauthorized inquiries that should be removed and no changes have been made.
Product: Student loan

Hello my name is XXXX XXXX. I was behind on my student loan payments, because of medical issues with my daughter and myself. I called Navient to see what my options are to help me get back to an even balance. I entered into an agreement with Navient to be put on to an automatic withdraw to get me caught up. A number of months later my parents made a large payment to Navient, because of the XXXX of my grandparents and the inheritance they received, to bring my balance " current '' or back to XXXX. I continued to still make my monthly payments in accordance with the agreement as my monthly payment. For months my amount due has been XXXX, but i still have had my bank account withdrawn for the same amount. I called customer service to dispute the latest payment that was automatically withdrawn, and to see if I could get a refund. " This is not an option, because i entered into an agreement '' the customer service XXXX told me. The only option was to withdraw from the agreement for future payments. Needless to say I was upset. I know that I entered into an agreement with Navient, but the agreement was unclear at best. The agreement didnt end when my balance was current it was for an amount of time. I believe this is unfair to me, not because of the agreement, but because of the lack of information available to me about this agreement When calling customer services the automated message as well as the representatives continuously say you can visit XXXX for more information. This is untrue. After being on the website for hours, I was unable to find any information regarding my agreement, that I was on an automatic payment ( even though I had the option to enroll in automatic payment for the same loan ), There isnt even access to a future payment schedule outlining payments that are due and the amount. The only information on the website was my past payments and my current amount due, along with repayment options, and limited account summery. I believe I have been misled into this agreement. I would have taken the option to withdraw from this agreement months ago if I had any information made easily available to me regarding my agreement, payment plan, upcoming scheduled payments, but I couldnt find any of this information. I believe Navient is being intentionally vague, misleading, and making it extremely difficult to find important information. Navient does not care about their customers. I believe Navient is the biggest deterrent to the pursuit of higher education. This is even having me consider not sending my XXXX and XXXX XXXX XXXX daughters to collage unless they have a job that provides tuition reimbursement, because what little I am able to save for their collage, will not be enough. Im not writing this just for myself but for the countless others that could be struggling with the same problems I am. 
Thank you for your time. 
XXXX XXXX
Product: Student loan

In 2012 I received a loan from XXXX XXXX, my mom chose to make payments monthly to lower principal balance and would n't have to pay so much when I graduated. My mom paid XXXX and then at some point it became Navient. My mom had a fianancial hardship but ultimately could n't pay 2 months but at the end of those 2 months they were able to pay the full amount and even the next months amount, thinking she was completely up to date. Then we began receiving harassing phone calls from a man from XXXX saying I owed money and needed to pay now. He would yell and threaten to ruin my credit to my mom and myself. XXXX called my grandma saying that our full balance was over {$25000.00} but if we paid {$10000.00} it the loan would be satisfied. My grandma then called back a week later offering to pay that {$10000.00} amount, she took money from her retirement savings to be able to pay him, she was nervous because he offered no information that assured us that this was real and would n't come back later on saying we never payed. After putting her on hold repeatedly, they ultimately hung up on her, then said they no longer had the account. Now I remain in confusion because when I call Navient to ask them who I can properly pay to, they send me straight to XXXX without giving me a chance to speak with them. This has ruined not only my grandmothers credit but my own. I never expected it would be legal for any company to act like this and leave consumers in the dark.
Product: Debt collection

I sent a letter to Wells Fargo about a " charge off '' that they are reporting on my credit file. I sent them my account number as it is being reported on my credit file along with my social security number that they have on record asking them to validate the debt that I supposedly owed them. The company proceeded to stall by asking me to fill out paperwork for them to further validate the debt. I sent them another letter in response to their response and they continued to stall. The company failed to mark the account as disputed within the 30 day allocated time frame in which i sent them a third letter asking them to remove the debt from my credit file, because they violated the fair credit reporting act by not marking my account as disputed within the 30 day time frame from receipt of the first letter. They had the account number, my name, and social security number on the certified letters that were sent to them. If their record was inaccurate, they should have removed the debt from my credit report which they have not done. There were 3 certified letters sent to the company and nothing was done about the situation
Product: Credit reporting or other personal consumer reports

Ive never opened these accounts and they are fraudulent. Ive contacted the creditors and provided my identity report. They didnt delete the accounts off of my credit reports. This is effecting me from buying a house. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA
Product: Debt collection

On Friday, XX/XX/XXXX, a man named XXXX something called from XXXX. He asked for a specific person. I asked him what company he was calling from and what his name was and what this was in reference to. He refused to answer what he was calling about. Instead, he simply kept raising his voice, interrupting me as I tried to find out who he was and what the purpose of his call was. He continued badgering me with " Is this [ name of person ]. '' He became progressively more angry and confrontational -- - as I asked what this was about. He proceeded to insult and harass me with words to the effect that I needed to listen to him with my ears - as opposed to " some other part of my anatomy '' [ I am being polite ] that he alleged. I later looked up what entity that the phone number - XXXX - he was calling from is associated with and the following information came up : Davis and Goldmark XXXX. XXXX XXXX. XXXX, CA XXXX XXXX. 
I gave no permission for them to record me or the phone call. 
Davis and Goldmark is a collection agency. They were engaging in what I later discovered are the same harassing, yelling, intimidating, bottom-feeding tactics of collection agencies. 
I have never received any written correspondence from that company and until the harassing phone call I have never heard of this company. I advised the caller not to call ever again.