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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment notation reported on my credit file by TransUnion for the XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the erroneous information has not been addressed. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 
Account Details : Account Number : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Payment Status : Current Creditor Remarks : Closed Nature of the Discrepancy : TransUnion is reporting a 30-day late payment for XX/XX/XXXX. This information is inaccurate and unsupported by evidence. The account history shows consistent and timely payments prior to the account being closed on XX/XX/XXXX. Moreover, XXXX and XXXX do not report any late payments for this account, further highlighting the inaccuracy in TransUnion 's records. 
FCRA Violations : 15 U.S. Code 1681i : TransUnion has failed to conduct a reasonable reinvestigation of my disputes, as required by law. Despite my repeated requests, the inaccurate late payment remains uncorrected.

15 U.S. Code 1681e ( b ) : Credit reporting agencies are obligated to maintain maximum possible accuracy in their reports. The inclusion of this erroneous late payment violates this requirement.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes accurate and timely disclosures to consumers. The inaccurate reporting of a late payment has caused undue harm to my creditworthiness and misrepresents my payment history. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act mandates timely and accurate statement disclosures to prevent unfair penalties to consumers. The late payment notation contradicts this mandate and has adversely affected my credit standing.

Impact of the Error : The false reporting of a late payment for XX/XX/XXXX has negatively impacted my credit score and financial opportunities. This erroneous information has caused unnecessary distress and potential financial harm.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation that this correction has been made. 
XXXX that all future credit reporting for this account will be accurate. 
I am attaching relevant evidence, including account statements and correspondence, to substantiate my dispute. If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. Additionally, I reserve the right to pursue legal action to protect my rights under the FCRA and TILA. 
Thank you for your prompt attention to this matter. I look forward to your resolution and written confirmation within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on LVNV FUNDING LLC due to inaccurate information. XXXX denies to follow up with the investigation. I recently was notified that CFPB has file lawsuit against ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempt to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law. 
Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law. 
Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : XXXX XXXX Dated XX/XX/XXXX Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse. 
Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case. 
Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within XXXX business days of receiving this correspondence and the attached supporting documentation. 
Enclosed Supporting DocumentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  XXXX  ) XXXX XXXX XXXX XXXX XXXX Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved. 
CC : XXXX XXXX XXXX XXXX XXXX ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Attorney Generals Office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC Identity Theft Report
Product: Student loan

I have been paying my XXXX loan for 15 years straight, without being late on a payment. I'm desperately seeking to get Biden 's student loan forgiveness. Once, I heard about the loan forgiveness, I started emailing Nlenet right away to get as much information. I have emailed them since August-now. Sometimes, they don't even reply. When they do, they never answer my questions directly and just tell me to go to the Studentaid website. 

I consolidated with Nelnet back in 2007. My loan begins with the letter " J '', and what I have read doesn't qualify for forgiveness. It seems like they have robots working over there. They have not helped me once. My interest has been the same for 15 years. 

Should I default on my loan now, so I can get forgiveness? My patience is running thin with Nelnet. I'm an English teacher in XXXX XXXX and this loan has been weighing me down for years. I still owe over {$26000.00}. My loan started at {$55000.00}. 

Thanks
Product: Debt collection

The cable/internet company XXXX XXXX has attached an account in collections that is not mine but belonged to a previous resident at my former address. My account is current. They refuse to remove the delinquent account off my credit report because my former address was the same as the other account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 an 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 any purpose.

540
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a FTC Identity Theft Report to Equifax to dispute inquiries. On XX/XX/2021 I received a letter that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed still on my credit report. 
When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time. 
This is unacceptable and against the law.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Experian XXXX XXXX is reporting information that is inaccurate within my credit report. Several accounts are listed as " closed ''. However, proceeding the closed date, they're also being reported as " late payments ''. I know I have a right to have the information within my credit file accurately reported according to the XXXX. These inaccuracies include XXXX XXXX XXXX XXXX XXXX credit card accounts opened on XX/XX/XXXX and XXXX/XXXX/XXXX, additionally, these accounts do not include account numbers not even partially, just " XXX '', which hinders my ability to authenticate whether these accounts belonged to me. 

There is also another closed account by XXXX XXXX XXXX XXXX XXXX which from XX/XX/XXXX to XX/XX/XXXX has been reported as " late ', Charged off, and " Repossession ''. ALL of which are incorrect and inconsistent. 
The same rings true of the XXXX XXXX credit card XXXX opened XX/XX/XXXX, with inconsistent and incorrect reporting.
Product: Credit card

I received a promotional flyer while on XXXX XXXX that said balance transfers would be interest free for 15 months after payment of a 5 % transfer fee. I did the math and decided to do it. The flyer did not say that I would need to make a minimum monthly payment of more than 1 % of the balance. That changed the math, but I had already paid the 5 % fee. I paid off all the other charges and fees and stopped using the card. The current balance is {$140.00} less than the original " interest free '' balance transfer, but I keep getting charged interest. The only explanation is that they misapplied a payment to the balance transfer rather than the other charges, so they show an unpaid balance in the " other charges '' category and show the balance transfer as overpaid. I have been in chat sessions with them over the last XXXX billing cycles, to no avail. I don't think anybody even reads my message, they just send a form response. 

I believe the promotional flyer was misleading and that Barclays is not equipped to fulfill the promises they made.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Personal Info : Also Known As : XXXX, XXXX, A Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX Also Known As : XXXX XXXX XXXX, XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Consumer Loan

I have never been late on my loan, yet they are reporting me late, dragging my credit score down XXXX points.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions. 
15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has applied for credit with my information.
Product: Credit card or prepaid card

I opened an Amazon Rewards credit card through Chase bank in XXXX of 2019. 

I opened this card because I make a lot of purchases through Amazon and I would get cash back, and I was under the impression I would have an interest free period for 12 months. 

Apparently I haven't been checking my statement very well, because I just noticed that I was being charged interest dating back since XXXX of 2019. 

The most recent interest charges were on XX/XX/XXXX for {$64.00} and XX/XX/XXXX for {$53.00} ( there were 4 more months I was also charged interest ). 

I called Chase and inquired about this issue ( I spoke with an associated who identified herself as XXXX ). I was informed that I did not have to pay interest on Amazon purchases, but I would have to pay interest on other purchases made through this card. I informed them I found this misleading, for a few reasons : 1. I have paperwork that seems to say I have 0 % APR on my Amazon Card purchases. 
2. I was not charged interest for the first few months of having this credit card, so I assumed the benefits were working as I thought they should. 

I asked if it was possible to have a few of my most recent interest charges refunded. I was told no that was not possible, despite giving me misleading information. 

I told XXXX that I would be filing a complaint with the CFPB and closing my account in the following weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED COPIES OF MY CREDIT REPORT, THERE WERE XXXX COMPANIES WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE CREDITORS, I'M NOT RESPONSIBLE FOR THESE DEBTS.
Product: Credit card or prepaid card

I was just given a credit increase wit h Barclaycard rewards  card to find out this am they lowered my limit from  XXXX  to   XXXX   with a balance of  XXXX . I have never been late. Always paid well over what was asked. Just got a credit increase 2 months ago. All my other cards were increased too. My credit to debit is 17 % and my score is  XXXX . So with no reason, no letter, no call, no email of notice to this I am now at a 95 %!! Is it legal for them not to let you know even tho on their paperwork it say they notify you 45 days prior?
Product: Credit card or prepaid card

I have been a member of this company since XX/XX/XXXX, with an extended credit limit of XXXX, they have reduced my limit to XXXX ( which I wasn't happy about but I let it slide ). Now today XX/XX/XXXX i am being informed that both my Credit card with Card Member Services has been shut down, for no valid reason. I have NEVER been late on a payment. I also make big chunks of payments of XXXX here and there to reduce the utilization from time to time. ( see documents attached to prove ). When they told me the reason they said i was a credit risk. they have fraudulently checked my credit report which is a violation of my rights and never gave permissible purpose. FCRA 1681 usc ss 604 states that! they did not give me any warning what so ever. regardless i have great credit and they broke the law. i will also be filing a XXXX  complaint against the company for mal practice. them shutting down my card put my credit in a bad situation and i will seek litigation action. i have been using their cards for over 2 years. that was just one card. they also shut down my us bank card with a limit of XXXX. when i tried to go to the store and swipe my card it was declined which was embarrassing. come to find out my us bank card is matched with card member services. it was both a XXXX cashback card and a us bank flex perks card. they shut both of them down because they said they check my credit score ( without my authorization or permission which is a violation of my privacy right and the law )
Product: Credit reporting, credit repair services, or other personal consumer reports

I don`t recognize these inquiries. I have never applied for this.I don`t have any agreements or contracts with this companies with my signature.
Product: Debt collection

I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay ERC the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. ERC reference number:XXXX ERC customer : XXXX XXXX XXXX
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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I noticed a credit card issued by XXXX XXXX XXXX on my credit report that I neither applied for or was offered. The card was issued on XX/XX/2018, and shows a credit limit of {$500.00} which seems to have been maxed out immediately. Card currently shows balance of {$500.00} which appears to have no payments made. Called issuer to inform of this apparent fraudulent card in my name as soon as I noticed it. However, account still appears on my credit report and is damaging my credit. XXXX XXXX has not provided any details or proof that shows this account opened by me. Need any help possible to have this account removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, account XXXX began XX/XX/XXXX I discovered it XX/XX/XXXX {$1000.00} Midland credit management began XX/XX/XXXX discovered XX/XX/XXXX {$1000.00} XXXX XXXX account XXXX {$670.00} and XXXX {$1000.00} XXXX XXXX XXXX account XXXX began XX/XX/XXXX discovered XX/XX/XXXX {$450.00}
Product: Checking or savings account

On XX/XX/XXXX I transferred {$30000.00} from my wells fargo account to my XXXX account ( See attachment Part XXXX ). On XX/XX/XXXX XXXX said that there was insufficient funds and the money would be returned, see Part XXXX  attachment. However there was plenty of funds in the Wells Fargo. Later it was determined there was a internal error on the deposit per XXXX which they informed me of on XX/XX/24 ( ticket # XXXX, see attachment Part XXXX ) ). On my sofi account it showed a + {$30000.00} on XX/XX/XXXX, see part XXXX attachment and then a - {$30000.00} on XX/XX/XXXX ( See part XXXX attachment ) indicating they sent money back to wells fargo. The money never showed back up on my wells fargo account. On XX/XX/XXXX, wells fargo deposited {$30000.00} into my account and said case was resolved ( see part XXXX attachment ). However all they did was take another {$30000.00} from my XXXX account and deposited into my wells fargo account via an unauthorized transaction ( Part XXXX attachment ). The original {$30000.00} is still missing and on my XXXX  account I have XXXX separate - {$30000.00} transaction debits from wells fargo ( Part XXXX and XXXX attachment ). 

To be as clear as possible, there is XXXX debits of {$30000.00} on my XXXX account, but only XXXX credit of {$30000.00} to my Wells Fargo account. I am concerned that the internal error ( Part XXXX ) at XXXX  caused this missing {$30000.00}. I am still missing {$30000.00}. The money that was debited on XX/XX/XXXX at XXXX for {$30000.00} never made it to Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against XXXX XXXX for the following reasons 1.inaccurate reporting XXXX XXXXXXXX XXXX XXXX has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that XXXX XXXXXXXX XXXX XXXX may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, XXXX XXXXXXXX XXXX XXXXXXXX charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. XXXX XXXXXXXX XXXX XXXXXXXX is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many inquiries on my credit report that tried to open accounts using my name. I have never applied for credit to these companies. These inquiries are pulling my credit score down and I can't get myself to funding because of these inquiries.
Product: Vehicle loan or lease

Hello, I received a letter some years ago stating that I was part of a discrimination lawsuit against ally financial .They charged me extreme amounts of interest it was ridiculous, then I had gap insurance on the car and they would not honor the GAP agreement.They are very nasty on the phone and have very poor customer service. Very frustrating dealing with this company, please advise of any info you require from me. My account number is XXXX, please help, Thank You