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

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Miscellaneous Finance Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : XXXX Months Two-Year Payment History : XXXX late payment noted for XX/XX/XXXX ; XXXX late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported XXXX and XXXX late payments are erroneous. 
Inconsistent " Last Verified '' and " Date of Last Activity '' compared to prior records. 
Requested Resolution : I request that TransUnion conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of 100 % on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I had filed a prior complaint with CFPB and I had a rebuttal and appeal to TD Bank write up. TD bank had no solution - See Complaint XXXX. I will like the resolutions in order to move on and also have TD Bank fix the 2 issues. 1 ) I want to pay the XX/XX/XXXX and XX/XX/XXXX mortgage payment expeditiously and right away from my online bank account. which belonged to XX/XX/XXXX and XX/XX/XXXX. That should take care of the 2 deferred payments owed. I have offered to pay TD bank several times and so far TD bank has not accepted the offer. 
2 ) I want TD bank to remove the term 15 mortgage off of all the credit bureau reports expeditiously and replace with my actual mortgage term 30 years and the comments Loan modified under a deferral program. I have filed disputes with XXXX, XXXX and XXXX since the terms on the credit bureau report for TD bank is incorrect. Each credit bureau, banks and companies have label those comments to be negative except TD Bank. Comments field should be left blank since I pay my bills on time and I was erroneously added under Natural Disaster since TD Bank did not have a plan for furlough employees 3 ) On the loan modification on file with TD bank, I want TD bank to put on file that this was due to the XX/XX/XXXX to XX/XX/XXXX United States Federal Government Shutdown. And that I was a federal government furlough employee. And also that TD Bank had participated in offering federal government employees temporary payment extension. TD bank said these thing on XXXX social media and news media. 
The money had previously belonged to the XXXX and XX/XX/XXXX payment extension during the XX/XX/XXXX and XX/XX/XXXX united states government federal shutdown where 800,000 federal were furlough. 
So far TD bank has no plan, or no solutions. I am not going to let TD bank ruin my credit, my professional life or my personal life. TD bank has not consider anything and their main comment is '' Sorry, we can't do anything ''. I never missed a payment in 18 years. I will like TD bank to come to the table on these solutions. I will like a manager, director to handle this matter and not just a rep that has no authority. I have been unable to speak to a manager or director at TD bank for 2 years straight. Please ensure that TD bank gets the request to their management so that we can start fixing these issues. 
Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

I am the victim of identity theft another credit file has merged with mine please remove the fraudulent information as soon as possible!! There is an American Express card reported with a {$5000.00} balance that does not belong to me.At XXXX ... I have worked extremely hard to be debt free Please remove this social security number of a Male ... XXXX XXXX, As it's crossed paths and merged with mine, a female named XXXX XXXX, with a totally different credit file and social security number as being reported .. It's a shame that this type of thing goes on. At XXXX, once again I work hard to maintain my credit report having as little as possible, even if that affects me negatively please return my report to the original status before the social security number XXXX was cross with my file ... This is not my social security # ..
Product: Checking or savings account

Hello : I have contacted Google several times to ask for a reucurring charge to be stopped. They have not been able to assist me, and there are still recurring charges coming from my account. I would like to stop or cancel this charge
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX  regarding a debt they said I owed and made a full payment of the debt in return they would report the debt as paid off on my credit report. After receiving a full payment of the debt they reported the debt as a paid charge off account. I am in the process of refinancing my mortgage and this account status being reported is preventing me from being approved for the loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 


Account name XXXX XXXX XXXX XXXX XXXXXXXX Account type Charge Card I reached out to XXXX and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid charge off account and the derogatory remarks and account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXXXXXX Account type Credit card I reached out to XXXX XXXX XXXX as well and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid charge off account and the derogatory remarks and account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account type Credit card Responsibility I reached out to XXXX and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid settlement instead of paid in full and the account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account type Credit card A company by the name of XXXX XXXX XXXX in which I had ever heard of before has been contacting me regarding a debt I believe that I don't owe. 
I did not give this company my personal information and at this time I am trying to get approval for a refinance so I made a payment of {$1200.00} in return they agreed to remove the account from my credit report but instead they reported it as a paid collection. 
I have never heard of this company before the company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and confidentiality under 15 USC 1681. 

Account name : # 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 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed these account called the department of education was told that I dont have an account everything is paid in full. I have two accounts are still showing on my credit file as in collections 120 days past due and its just not my account. The accounts that are on there are showing the same account numbers for both amounts are different no one can tell me where these accounts are and keep asking for paperwork nothing. 
Account # XXXX amount {$2600.00} Account # XXXX amount {$3400.00} I sent letter on XX/XX/2021 no response
Product: Credit reporting or other personal consumer reports

I asked for a personal report for LexisNexis Risk Solutions a month ago, and noticed my profile is mix with others who have the similar name to me. So I ask them to dispute my information first time on XX/XX/XXXX, after several day they sent me an updated report which have nothing changed, the wrong person was still on my report. So I phoned them and disputed the second time on XX/XX/XXXX. The letter arrives today but nothing changes as well. 

I have already attached the personal information report from LexisNexis as attachment, Yellow highlight means correct info please keep, Pink highlight means wrong info which not belong to mine please remove.
Product: Vehicle loan or lease

It was in XXXX of 2015, the amount was {$10000.00}. I was asked by a person if I could be a co signer, I didnt know much about any of that yet but i said Ill go in with them to see, I gave them all my information but at the end they said I couldnt co sign because I didnt have an ID. The person was still able to get the car but I just figured they were able to get it without me. Years later i as learn more about credit I see I have an auto loan from credit acceptance from XXXX of 2015 for amount listed above I contacted credit acceptance and told them I shouldnt be held accountable for the remaining balance of {$7800.00} because I was told without an ID to confirm who I am XXXX XXXX ( car company ) said I couldnt co sign but not only that I was suppose to co sign but they put the ENTIRE thing in my name. So Im in charge I didnt even have a XXXX ID so it shouldnt have went through
Product: Credit reporting or other personal consumer reports

My credit report shows accounts I am unable to recognize. I have had my identity stolen. Each unfamiliar account is listed in the letter. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. I am unaware of these accounts, and they should be removed. Here is my respectful request to have the following items removed. Please accept my sincere thanks in advance.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX XXXX and I noticed this problem on my credit report in XX/XX/year>. Please remove it from my report as soon as possible. I am a victim of Identity Theft and these accounts are not mine. Please help me and please freeze my report if possible.
Product: Credit card or prepaid card

Promised XXXX reward points and {$50.00} statement credit after getting card and spending {$2000.00} on first 3 months. After meeting those requirements in XX/XX/XXXX, I have yet to receive either one of the rewards. Also charged an airline ticket thru XXXX in XXXX which was cancelled due to the closing of the airports in XXXX and XXXX, and although XXXX in written statement telling me I would receive credit for the charges, I have yet to see any credit, even though I had asked and tried multiple times to get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received validation notice by mail or email
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing. I have enclosed a copy of my credit report highlighting the charge-off entry for your reference. I understand the importance of accurate reporting on credit reports, and I believe that this charge-off entry is inaccurate. I request the following actions be taken : Immediate Removal of the Charge-Off Entry : Conduct a thorough investigation into the charge-off entry listed on my credit report and remove it promptly if found to be inaccurate or outdated. Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. Please acknowledge receipt of this letter and inform me of the steps being taken to address this inaccuracy. I am asking for your assisstance to remove othese accounts in my credit file : XXXX XXXXXXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Vehicle loan or lease

On or about XXXX XXXX XXXX XXXX XXXX. My vehicle with was repossessed without notice with my personal property inside, which violates15 usc 1635. My personal belongings have not been returned
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact this collection agency ( I C System ) because on my credit report, it says I owe them a balance for an account that has been closed over seven years. Every time I check my credit report, the date opened section is different. Right now it says this account was opened on XX/XX/20. This is an old account thats has been disputed with the original company. When I contacted them, they purposely change the date again to the date of the dispute.
Product: Debt collection

I hired an attorney because the billing was not correct and the bank changed the interest rate without my authorization. Once my attorney contacted the bank the debt collectors started sending robo-calls to my wireless telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry XX/XX/2018 - Transunion and XXXX is reporting - This was an unauthorized inquiry not authorized by me.
Product: Consumer Loan

I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is grounds for removal. 


They also violated my rights under 15 U.S.C 1681 Section 602A. 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 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more XXXX {$1000.00} ; 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


15 U.S.C 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

My interest rate increased from 16.15 % to 20.15 %, without any notification of this in advance. 

After calling in twice ( the first time the call was disconnected from the companies end ) I was told the 16 % interest rate was a proportional Offer, and no interest rate other than what was originally given upon account opening is permanent. This is an unfair practice, given that I first opened this account as a college student, with little credit history, so that interest rate would be higher than those at the same Credit level I currently have.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was the personal representative for my brother 's estate. As part of my duties, I contacted the three major credit bureaus notifying them of his death, plus requesting that a notice of death be added to his file, and a copy of his credit report be sent to me for the estate records. To each I submitted a detailed letter via certified mail containing my request, plus enclosed emboss stamped originals of both his death certificate and the Letters Testamentary from the courts naming me as PR. 

XXXX returned a copy of his credit report to me with a death notice included in his file. Excellent. XXXX returned a copy of his credit report to me, but with no death notice added to his file. OK. TransUnion , however, simply returned a form letter notifying me that a death certificate and court papers were required -- both of which I provided. No copy of his credit report, and no death notice. Boo. 

I 'd like TransUnion to provide a copy of his credit report for the estate files with a death notice added to the report. ( And it would be nice if XXXX added a death notice ... )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , INC ) due to inadequate customer service and unfair practice which violate consumers protection act ( CFPA ) cash app failed to take timely and affected measures to prevent address for it on their platform leaving my information vulnerable and unprotected. Furthermore the dispute result process was on unprotected and they didn't comply with error solution requirements under the electronics Fair act and regulation E these results have cause significant inconvenience and financial loss. I seek appropriate redress for these violations.