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

I submitted a complaint against the Bureaus a month ago, but the inaccurate information on my report remains unchanged. Surprisingly, I have not received any response or acknowledgment from them, and my complaint has already been closed. I am seeking clarification on why my complaint was closed without addressing the issue or verifying my dispute. I need assurance that they have thoroughly investigated the inaccuracies and validated the accounts on my report.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to get transunion to update and remove inaccurate information on credit but instead it keeps coming back verified but that is impossible because they failed to provide proof of verification. Ive attached proof of communication below as well as certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
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 practices which violates the Consumer Financial Protection Act ( CPFA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their Platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. These items are inaccurate or incomplete. Kindly remove or correct the information : 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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error TransUnion : The account inaccurately reports a 30-day late payment in XX/XX/year> and a 60-day late payment in XX/XX/year>. However, the account was on autopay, and no payments were missed. 
Pattern of Inaccuracies The continued reporting of late payments across TransUnion, XXXX, and XXXX shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

We closed on a mortgage on XX/XX/XXXX. This mortgage was a rewrite of a XXXX mortgage but now at a lower rate. 

The company calculated the payoff with interest through the closing date. In addition they added a " buffer '' of 18 days in the event the closing was delayed. We were told that the " buffer '' ( in the amount of {$500.00} ) would be returned after the closing. 

It has been more than a month. A few weeks ago we inquired about it and were told that we should be seeing the money soon. 

Still no refund.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint, dated XX/XX/2024. I'm now requesting an investigation into this account and an immediate update of these payments to " paid on time. '' Thank you for your understanding and prompt action.
Product: Checking or savings account

Wells Fargo incorrectly charged multiple overdraft fees on debit withdrawals on my checking account ( at times charged duplicate overdraft fees resulting in 3-4 overdraft fees per day ), as well as having money unfairly frozen or placed on hold. there were multiple dates this happened so I do not have a specific date, but the amounts were always {$35.00}. Anytime I spoke with customer service I was told there was nothing that could be done about the overdraft fee.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX ETH from my PayPal account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on QUALITY ACCEPTANCE LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Bank account or service

I have power of attorney and am a co-signer on my mother 's checking and savings account. My mother gets a monthly dividend check, I have always deposited these checks in person to my mother 's account, the check is made out to her. I never had a problem in XXXX, XXXX or XXXX XXXX until I moved to XXXX, XXXX. The Asst Mgr of the XXXX, XXXX, XXXX branch said that I could n't do this. When I told him I had been doing it for years, he adamantly said no, you ca n't do this. No adequate explanation was given. ( I believe his name is XXXX XXXX ) When I said I could go across the street and do this and made one more attempt by asking him to look up the history of deposits. My mother is in assisted living and ca n't easily go to the bank. He then said okay, I asked why he could grant it then, and why could n't he grant it before? Again, I am a co-signer and also have power of attorney on record with Chase. 

I had this savings account up for my mother for this very reason, now they 're telling me I ca n't deposit any moneys into my mother 's account, even though I have power of attorney and am a co-signor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigations taking longer tan 30 days, already a FDCPA VIOLATION, since is acquiescence. Administrative process is now complete. Companies have not validated any claims only hearsay of reporting accurately and furnishing reports without my consent or proof thereof.
Product: Debt collection

They XXXX XXXX XXXX AM in a Saturday morning calling from XXXX
Product: Bank account or service

Wells fargo never gives a current statement that makes since. Then charges me outrageous overdraft fees. Even if I do have money to cover it in my accout. Over the past year I believe I have paid over {$250.00} in unjust fees thar they use confusing word play to make it seem to be my fault.
Product: Checking or savings account

I am writing a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX # XXXX ) I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
XXXX XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I called on XX/XX/XXXX at XXXX XXXX  eastern standard time and let the representative know I was recording the phone call. I made the company aware of the violations/law they were breaking. The rep acknowledged that they were reporting late transactions and will continue to do so. Im not sure if this company has some sort of relationship with the Credit reporting agencies to report transactions but I will be seeking legal actions against this company, for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent enablement of identity fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I request an immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to bank of America about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am a victim of Identity theft. I received a copy of my credit report after being denied housing and employment. I have been reaching out to these companies since XX/XX/2023 stating that I am a victim of Identity theft and that there are incorrect names, address, and accounts that are not mine please verify. Because the credit monitoring services are by law supposed to verify that all information reported has to be 100 % accurate. These companies violated my consumer rights by reporting inaccurate unknown information without my written consent, and is ignoring my request for verification within a timely matter. Not only have these companies violations affected they have also affected my family 's lively hood as well. I have been denied employment and housing due to this inaccurate, negative, unknown information reporting to on my credit report every month which is negatively imapacted my credit rating and scores. This has cause my family XXXX XXXX XXXXXXXX, and XXXX due to being denied employment and housing. This inaccurate is causing me and my family embarrasement by affecting our character in a negative way.
Product: Debt collection

2014, XXXX XXXX XXXX, {$13000.00}. 
They sent a amount to collections for the amount of {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX created a charge card without my knowledge. I am a victim of Identity Theft and they approved a card without complete verification. I have sent them a copy of the charge card in dispute on a Experian Credit Report, Local Police report on the Identity Theft, XXXX file report, and a memo stating that I was not the person that opened the charge card. I have already cleared 4 out of 7 fraudulent accounts on my credit reports, Which one was another XXXX Charge card. XXXX acknowledged that the other one was fraud, but the XXXX card was not considered fraud due to Publicly available information. When asked for the investigator and the public information I was denied further information. My investigation took well over 90 days to be completed. When the investigator completed it, they did not notify me what so ever. 

At the time XXXX Charge Card was opened I was XXXX overseas in The XXXXXXXX XXXX XXXX XXXX XXXX the United States XXXX XXXX XXXX This shows how little these credit companies care about our information. They will open any card without further identifying or confirming with us. I am now struggling to purchase my house due to my horrible XXXX XXXX. I have served 10 years in the XXXX and I am now alone sorting out my life. No one helps me and these credit companies just don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Collection Removal Request Dear TransUnion Representative, I am writing to formally dispute and demand the removal of a collection from my consumer report which has been reported as public information, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently reviewed my credit report and identified the following collection account : * Creditor : XXXX XXXX LL * Account Number : XXXX * Reported Balance : XXXX * Date of First Delinquency : XX/XX/XXXX The FDCPA states that non-public personal information can not be disclosed without the consumer 's consent. The information listed above is private and should not have been included in my credit report as public information. Therefore, reporting this collection is a direct violation of the FDCPA, and it should be removed immediately. 

I am hereby requesting that TransUnion : 1. Remove the aforementioned collection account from my credit report. 
2. Conduct a thorough investigation of the reporting of this collection. 
XXXX. Provide written confirmation of the removal of this collection. 

Please be aware of the legal consequences that may arise from not fulfilling this request. Failure to comply with the terms of the FDCPA is subject to monetary damages under 15 U.S.C. 1692k. 

I expect a prompt resolution for this serious matter. Please remove this collection from my consumer report and send me written confirmation within 30 days. 

Thank you for your attention to this matter. 

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

I am writing to request the removal of certain personal information from my credit report. I recently reviewed my credit report and noticed that it contains some outdated or inaccurate information, specifically regarding addresses, names, and phone numbers. 

I have identified the following incorrect or outdated information on my credit report : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I understand the importance of accurate credit reporting , and I am committed to ensuring the integrity of my credit file. These inaccuracies can affect my ability to access financial services, obtain credit, and make important financial decisions. Therefore, I kindly request that you remove the aforementioned incorrect or outdated information from my credit report as soon as possible.

Enclosed with this letter are copies of documents that verify my current address and other relevant personal information. I hope that this will help expedite the process of updating my credit report. Additionally, I would appreciate it if you could send me a confirmation letter once the changes have been made.

Please be aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and correct inaccuracies on a consumer 's credit report. I am relying on your prompt attention to this matter to ensure the accuracy of my credit history.

Thank you for your prompt attention to this request. If you require any further information or documentation to process my request, please do not hesitate to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit cards are both already closed. I paid the remaining balances OFF on XX/XX/2021. Credit card companies are not reporting the balances as paid.