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

XX/XX/year> Subject : Formal Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to formally dispute an error in the reporting of my XXXX  XXXX account ( # XXXX ) on my credit report. Specifically, your records indicate a 30-day late payment for XX/XX/year>, which is inaccurate. I have reviewed my payment history, and my records confirm that all payments for this account were made on time, including the payment in question. 
Reason for Dispute : The reported late payment is inconsistent with my financial records, which show that I made my payment for XX/XX/year> well within the due date. This error is damaging to my creditworthiness and must be corrected immediately. 
Supporting Documentation : To aid your investigation, I have included : A highlighted copy of my credit report identifying the disputed entry. 
A copy of my government-issued ID for identity verification. 
A copy of my Social Security number card to ensure accurate identification. 
Legal Framework and Request for Action : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) ( A ) : You are required to investigate disputes and ensure all information reported is accurate.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are required to provide a detailed description of the procedures used during your investigation.

15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : A consumer report must not contain information that is inaccurate or unverifiable.

I hereby request the following : Correction of the inaccurate late payment. Update the account to reflect the correct status of " Paid As Agreed Never Late. '' A detailed explanation of your investigation process, including how the reported late payment was verified. 
Documented evidence supporting the claim of a late payment, including the date, amount, and any related communication. 
In the absence of verifiable proof of a late payment, I demand that you promptly update this account to reflect its accurate payment history. Failure to address this issue within the 30-day timeframe mandated by the FCRA will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ). 
Summary of My Expectation : Account Status : Paid As Agreed Never Late Updated Payment History : Accurate reflection of my on-time payment history Investigation Report : Explanation of procedures followed and evidence reviewed Thank you for your immediate attention to this matter. I look forward to your response and resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Im not going to stop until experian tells me why an inaccurate account ( XXXX XXXX XXXX ) that provided them inaccurate dates is said to be accurate. I dont want to get anymore Were still working on your issue just to have them put the account in dispute status for a few days, then verify it as accurate at the end without any explanation as to why. If you have a credit card that has not been paid for several months, and those payments were never brought current, your first date of delinquency would not be the date the card was closed and charged off. It would be the time where the account was never brought into a current status again. The same thing applies to this collection account that somehow states that the account begun its delinquency on XX/XX/year>, but had a balance of thousands of dollars that was never paid prior to that month. ( Heres I attach a statement called XXXX that shows a balance of over {$2700.00} that was existent prior to XX/XX/year> ) These are not my rules. These are the guidelines of the FCRA. This information is vital and crucial to the life of the collection accounts existence to the credit reporting system.
Product: Credit reporting or other personal consumer reports

I Do Not Recognize This Address Please Remove Thank You XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband and I had a joint checking account with SunTrust with consistent monthly deposits of almost {$10000.00}. The account was in good standing, was never overdrawn, and our balance was never continuously low but on XX/XX/21 SunTrust decided to close our account without warning or explanation. I had no idea they did this until I tried to pay for my lunch and the charge wouldnt go through. 

I contacted the toll free number and was told I had to go to a local branch with my ID for verification. I went to the local branch and was told to contact the Fraud Department. I contacted the Fraud Department who told me I had to go to a local branch with my ID for verification. I went BACK to the local branch and the banker called the Fraud Department with me in there. I was then told the account was being closed but they couldnt tell me why. After pressing for a reason I was told suspicion of fraud. Why? Because I make XXXX figures a year?! 

On top of that, they told me they would make a decision about the funds in our account and whether they would return them to us. SunTrust is holding our money, refusing to give it back, and the ONLY fraud that has been committed is the fraud committed on their end by closing our account and holding our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. XXXX  also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} XXXX has repeately misrepresented this account with all three credit reporting bureaus.
Product: Debt collection

This company is attempting to collect on out of statute debt which is unlawful under the Fair Debt Collection Practices Act. Please confirm the information shown in this account and REMOVE COMPLETELY FROM MY CREDIT REPORT. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX-Balance {$1600.00}
Product: Debt collection

Radius has sent me a letter in the mail about debt I owe to XXXX XXXX XXXX. I am not in debt to XXXX XXXX XXXX  nor have I ever been. I havent even used XXXX XXXX XXXX in a year. I paid my last wifi bill and closed the account with zero issues. This is a false accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I received a call from a debt collector on behalf of my TJ Maxx credit card in 2016. I explained to the representative that I had just had a XXXX and was out of work, so the representative asked me to borrow money to pay for my balance. I questioned if this was a legal as I was out of work with a XXXX. Since then I havent received any bills or phone calls from TJ Maxx attempting to collect the amount owed. Its been 2 years and I recently found out they are still reporting to the credit beaureau that my account is delinquent. I contacted their collections department and questioned why they werent sending any bills to my address or calling me. They werent able to give me an explanation other than they were sending me bills which is not true. I asked them to confirm the address and phone number they had in their system and it was correct but again, they failed to bill me or call me in regards to my pending charges. They went 2 full years without billing me or attempting to settle my balance. It seems to me that any collecting agency I worked with in the past would try to collect payment or offer settlement. They did not offer any assistance and told me Id have to pay for the balance right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested that XXXX, Experian and XXXX validate that a bankruptcy that was reporting on my credit report was indeed mine. However, Experian was the only one that replied verified although they did not investigate. XXXX and XXXX actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX XXXX reporting that shows any sign of a bankruptcy.
Product: Credit card or prepaid card

I called Capital one today XX/XX/11 and asked why my cards wasnt reported to the app? Capital one said my cards was close due to reasons they can not explain. The card was paid off and they just gave me a credit increase in XXXX. I was put on hold and never got to speak to a manager.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against Experian. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose.

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, Experian has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements.

I have taken the following actions : Submitted a formal dispute to Experian, demanding removal of multiple unauthorized inquiries.

Provided supporting documentation, including proof of identity and address.

Requested that Experian provide documented evidence of permissible purpose from the entities that conducted the credit inquiries.

Warned Experian that failure to comply would result in a CFPB complaint.

However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold Experian accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing.

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reporting {$240.00} on my credit card, but that amount was paid. Bank of America is NOT reporting the credit card balance correctly
Product: Money transfers

I have extended family in XXXX, XXXX. Currently between bombs and snipers, it is not a safe place to be. Everything is in short supply and utilities are intermittent. The banks have no money. The only way to send money is through moneygram. On XXXX XXXX I sent {$500.00} via moneygram. When my relative went to pick it up, he was told there was a computer glitch. I called moneygram and they told him to have the agent contact them. The agent then told him the money had been returned. I did not keep careful track of dates since I was not expecting a problem, but sometime after XXXX XXXX, money gram informed me that the money had been picked up on XXXX XXXX. My relative did not pick it up and since XXXX a reference number and ID are required, I ca n't see how anyone else could have picked it up. Money Gram opened an investigation. When I call I get the escalation department. No matter how I explain that they either have the money or gave it to the wrong person, and that this is a serious humanitarian crisis because the family needs money to buy food, they continue to give me the same line that they have up to XXXX days to investigate. On Monday I got someone named XXXX to say he would red flag it and call or email me back, but that has never happened. Today someone who also said his name was XXXX put me on hold for XXXX minutes to wait for XXXX, who just repeated that they have up to XXXX days to resolve it. People are going without food thanks to their error! XXXX told me XXXX that they do not have a supervisor, and then that he does not take calls. I am so frustrated! I thought Moneygram was a reputable business, but now I have lost {$500.00} and the family is still without money for food.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ID XXXX I do not accept the response from the mortgage company regarding this complaint. They are in the wrong and should be made to remove the negative reporting off my credit report. How can they get away with this? And how am I protected by not being able to respond to their response? I reached out to them to make a payment. I told them tell me what I need to do to make a payment. they delayed and delayed while i reached out trying to find out what's going on. pleading to let me know something so that this would not happen! This is a sin that myself, as the consumer, middle class- we get screwed up the most! This one seemingly small incident has effected me horribly! And again, I did nothing wrong! I followed the rules! We are NOT protected! I reached out so I could start making my payments again. I wanted to get back on track. I identified that I did not want to have any negative impact on my credit as I had done everything I was told to do the right way, etc. and the company did wrong! How can a company get away with this!? This is not fair to the " small '' consumer! They just get to apologize for their mistakes, but are not willing to fix anything?! This has impacted my life in such a negative way, but does not harm to them whatsoever! They were WEEKS late at getting the documents out to me, they were days late with wrong information regarding the regulations. Not to mention I was told by this company, their loss mitigation " specialist '' that nothing would be reported while working on the new program/modification!? This is a disgrace to the consumer! How am I protected when they can get away with this??? It's right there in black and white! " No, you will not be reported '' " Sorry it is taking so long '' And me asking, begging, pleading for an answer so this would not happen! We consumers are NOT protected if only the company gets to respond without the consumer 's rebuttal! What an absolute disgrace. NewRez/Shellpoint mortgage should be ashamed of themselves for their practices and customer service!!! Imagine a customer saying one thing and doing another? Our lives get ruined!!!
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I cancelled a cell phone agreement after the contract was up, and was charged a cancellation fee. I cancelled the phone in 2004, and was willing to find the collection companies because I knew my contract was up. I have a file with all the demands from XXXX, as well as all of my response letters. I have written in response to at least XXXX different collection companies and have never received a response or verification of a contract or any debt owed. 
I have been getting these demand letters for the past ten years. Enough is enough. this is harassment.
Product: Credit reporting or other personal consumer reports

this creditor place this on my account without first giving me the opportunity to challenge the debt, what did you do to ensure that this account was accurate, where are the documents that you use to validate the accuracy?
Product: Credit reporting, credit repair services, or other personal consumer reports

Tonight I was checking my various credit reports in preparation for ordering a credit card from my credit union. There are only three major credit bureaus, so I thought I'd request my free annual reports from each. No problem with XXXX or XXXX. But with TransUnion, a big problem..

TransUnion produced a report that was incomplete. It either never found out about, or left off for reasons unknown, information about my past employment and finances that would dramatically improve my creditworthiness ( which was okay to begin with ). But that's not the big problem. The big problem is fraud.

TransUnion claims I ordered " 3 Credit Bureau Monitoring '' and other useless financial services. TransUnion claims I ordered this service for {$24.00}, which it automatically billed to my credit-union account _without verifying this order with me._ But I purposely did not order the service. In fact, I purposely hit the " Cancel this Order '' button just in case this was the sort of trap that it indeed turned out to be. I was tricked.

Now I must wait until the morning, after the debit exchange has transacted, to make my case with a TransUnion operator who may be working the line from XXXX or XXXX, and who inevitably will argue that it's impossible for them to cancel the transaction and refund my cash. Belatedly, I received email ( attached ) that indicates I did indeed cancel the service, but not before TransUnion extracts its {$25.00} blood-money. 

A lot of people may be falling into TransUnion 's trap because its webpage is a confusing melange of everything under the sun. The CFPB should investigate TransUnion 's abusive treatment of visitors to its website who are seeking information guaranteed to them by law. It's obviously too easy to do what's to TransUnion 's benefit, not the visitor 's. 

I am absolutely astounded that the company can be so cavalier with the trust of those on whose information it makes a pretty penny and still expect us to welcome its unwanted provision of services that depend on trust. This is pure entrapment. I will never do business with this company again. Never.