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

Subject : Complaint Regarding Unfair Late Payment Reporting by XXXX  XXXX XXXX Dear CFPB, I am filing this complaint regarding an unfair negative remark on my credit report caused by XXXX  XXXX XXXX failure to process my account closure request properly. Despite multiple attempts to resolve this matter with the bank and Experian, the issue remains unresolved, and I am requesting your assistance in addressing this violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue In XX/XX/year>, I requested the closure of my XXXX  XXXX XXXX account via a phone call. At the time of my request, the account balance was XXXX. I was assured that the account would be closed. However, due to the bank 's failure to process my closure request, the account remained open, and I was subsequently charged two {$15.00} fees. These fees resulted in late payments being reported to the credit bureaus, unfairly damaging my otherwise exceptional payment history. 

I have disputed these late payments with Experian, requesting verification of their accuracy. Experian has responded, claiming the information is accurate. However, the negative remarks on my credit report are the direct result of XXXX  XXXX XXXX failure to process my account closure request as promised, making this reporting unfair and inaccurate. 

Impact These unfairly reported late payments have caused a significant drop in my credit score and tarnished my impeccable credit history. This is unjust, given that the fees and subsequent late payments resulted solely from the banks error in failing to close my account as instructed. 

What I Am Requesting I request the CFPBs assistance to : 1Investigate this matter with XXXX  XXXX XXXX and Experian. 
2Require XXXX  XXXX XXXX to remove the late payment reports from my credit history across all major credit bureaus. 
3Ensure compliance with the FCRA and prevent further harm to my creditworthiness.

Supporting Documentation I have attached : A summary of my account history, including the timeline of the account closure request. 
Copies of correspondence with Experian regarding the dispute. 
My Experian credit report showing the late payment remarks. 

Conclusion I believe this issue stems from XXXX  XXXX XXXX error and failure to act on my account closure request, making the late payments unjust and inaccurate. I appreciate the CFPBs attention to this matter and look forward to a resolution that restores the accuracy of my credit report. 

Thank you for your assistance. 

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

Equifax ; XXXX  and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Mortgage

We bought a home and used ifreedom direct and dealt with XXXX XXXX. We used a VA loan and had to put {$500.00} in an escrow account to tear down our shed and we were told by XXXX that they 're company would cover the re-inspection fee after the removal. We closed on the home in XXXX 2015 and just completed the work and got a refund check for {$400.00} and it stated on the check there was a {$100.00} fee for re inspection and I emailed XXXX and she stated her company usually covers that but because we were given credits at closing they were not giving anything else out. I sent an email back asking where in our paperwork that it stated that & even an amount of the re inspection fee, and that infact I had emails from her stating numerous times we would n't have to being more money to closing and XXXX minutes before our closing we were told we had to bring over {$1500.00} and infact XXXX had asked the manager for the title company to tell us not to contact her ( XXXX ) or we would n't close. We were also told our rate would be 3.5 % and at the last day we were informed that it was actually going to be 3.875 % and that 's why we got credits at closing. It has been a nightmare dealing with this company and the things they have pulled especially on a veteran!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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

XXXX of 2021 after I turned XXXX, I discovered that someone has been using my identity to create accounts and I have collections and inquiries on my reports. I have reached out to all XXXX companies and provided all of the documentation that they requested and it has been over 30 days and they have not removed any of the information. There was however a security lock placed on my account asking to call a number first before extending credit and the number is not mine so whoever stole my identity is still using it. I need these credit companies to clear my record and stop reporting false information. 

They have done nothing but help the actual fraudster yet I've submitted my social security car, my birth certificate, my police reports, pieces of mail, and my ID. I do not know what to do and they are of no help to me and I do not want to start my life in the hole because companies decide to report on me w/o verifying anything. There's a direct tv account and XXXX car collections and XXXX inquiries, I wasnt old enough to do any of this. 

I need this remedied immediately. What can I do? Can I sue the credit companies?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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: Credit reporting or other personal consumer reports

XXXX XXXX sold this loan and closed account, the second lender sold it to a third. At this point the debt is no longer being collected. The original lender keeps adding and lowering my credit score malicously when they are no longer the owners of the debt and have not owned it in 3 years. XX/XX/year> they reported inaccurate information that had sat there for XXXX plus years with no change. They added information showing they no longer own the debt and added delinquencies and late payments to further lower my score. This is illegal and a violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was contacted by XXXX XXXX XXXX, in XX/XX/2016 who offered to buy my timeshare in exchange for their vacation program, which had much lower yearly costs. They set me up with VP Title Company, who informed me it would cost {$2600.00}, plus my timeshare to enroll in the new program. Much of this fee was to TRANSFER my timeshare. They stalled the process until XX/XX/XXXX at which time they said my timeshare had been transferred. I called XXXX XXXX and found NO TRANSFER HAD OCCURRED. They simply CANCELLED my timeshare, which was valued over {$10000.00}. Furthermore they never offered me the new vacation program through XXXX XXXX XXXX. I contacted American Express within a day or two, in early XX/XX/2016, informing them what happened and they started dispute. VP Title sent information stating that CANCELLATION AND TRANSFER meant the same thing. I sent them information from XXXX XXXX stating these terms certainly did not mean the same thing and since I paid for transfer, not cancellation, I requested my money back. I have repeated disputed this with American Express ( >2 years ), requesting conference calls with VP Title or XXXX XXXX, or speak to manager. I never get my requests honored and never get the same person to speak to. Just chain letters from American Express requesting more info, but never addressing the information that I sent from XXXX XXXX  that A TRANSFER OF MY TIMESHARE WAS NEVER MADE.
Product: Mortgage

This is in follow-up to Complaint # XXXX. CitiMortgage made hard inquiries on my credit report on XXXX/XXXX/15 and XXXX/XXXX/15. These inquiries are affecting my score and I requested that they be removed, due to the fact that CitiMortgage had no reason to check my credit, since I did not apply for credit with them. PLEASE expedite to the company, so these inquiries can be removed. Thank-you in helping me get this issue resolved.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my account that was made XX/XX/2024. I did not request this. I am currently in the process of buying a home so there is no reason for me to risk my credit score during this process. I reached out to XXXX but got no answer in regards to this inquiry. there are no notes nor details on what the inquiry was for. They only advised me to contact the credit bureau for more information. After connecting with them, they also do not know the reason nor notes on the inquiry and advised me to contact the creditor, which I have made numerous attempts to figure out the reason and notes on the inquiry.
Product: Checking or savings account

I had a business checking account with citizens. Citizens bank did not properly instruct me on their policies nor did they openly communicate to me about changes on my account. There were also fraudulent transactions on my debit card that they did not resolve. This happened several times with no communication by phone or by US mail. They then froze my account and did not notify me of these changes. When I called the bank to understand why my bank account was frozen customer service stated that they did not have access to that information. This caused great distress to me and my company who provides services to the intellectually delayed individuals. Then I found out the next day on XX/XX/2020 that they closed the citizens bank branch that I open my business account with.
Product: Debt collection

I am in disagreement with the items listed below which still appear on my credit report, even after your re-investigation. According to the FCRA, you are required to conduct a reasonable investigation into the inaccurate information showing on a credit report when a consumer requests such investigation. I find it hard to believe that you conducted a reasonable investigation and were able to verify these accounts. The accounts that I believe are reporting inaccurately are listed below XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BRIDGECREST CREDIT XXXX XXXX XXXXXXXX You did not conduct investigation and as such I request removal of this account from my credit report
Product: Credit card or prepaid card

I want you to know that I understand my financial obligations, and if it werent for XXXX Id have an excellent repayment record. I got really sick and was forced to quarantine from my place of employment. I am an employee of the XXXX. Per policy, once an employee tests positive for XXXX, said employee will have to quarantine and can not return to work until cleared by the company nurse. There is only one nurse per district so she was behind on clearing Employees. This resulted in me being out of work for a total of 3 months. Although my PCP cleared me for work, I still couldnt return until my job nurse went over my documentation and cleared me to return. This situation was completely out of my control. I made a mistake in falling behind, but since then, I have gotten vaccinated and returned to work full time. 
Since then, Ive had a spotless record of on-time payments
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
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. 

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 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 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  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  XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX  XXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
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: Debt collection

I requested Equifax to verify an account on my credit profile and for them to remove it being I have no knowledge of it belonging to me. Account with XXXX account number XXXX. They removed this account from my initial dispute. Six months later they placed it back on my credit my report. they sent me a statement they said they verified with the company and that it belongs to me as being accurate. The statement they said they got from XXXX the dates do not match. It states that I opened the account on XX/XX/XXXX and that my first on this account was XX/XX/XXXX. How can this be, on Equifax web site my information states my information has been compromised. they are reporting invalid information on me and its effecting my credit score. 

is a violation of the Fair Debt Collection Practice Act FDCPA s 807 { 15 USC 1962e }