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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on SYNCB/NETWRK Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies TransUnion, XXXX, and XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time. 
Nature of the Complaint Inaccurate Reporting : The late payments for XXXX, XXXX, and XX/XX/year> on XXXX and for XXXX, XXXX, and XX/XX/year> on XXXX and TransUnion are inaccurate. 
My records clearly show that I was enrolled in autopay, ensuring timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments violates my rights under 15 USC 1666 ( b ) as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : These reporting practices are in violation of the TILA, which requires accurate reporting of credit obligations.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of consumer files. Articles 15 USC 1681n and 15 USC 1681o further outline civil liability for willful and negligent noncompliance with these provisions.

Summary of Account Details and Errors The SYNCB/NETWRK account shows consistent discrepancies across all three credit bureaus. 
TransUnion : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX  days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX  days late. 
These errors directly contradict my payment history and enrollment in autopay.

Requested Resolution I request that the inaccurate late payments be removed from my credit report with TransUnion, XXXX, and XXXX. These entries do not reflect my true payment history, as my account was enrolled in autopay. I expect a thorough investigation and the correction of these errors within 30 days of receiving this complaint, as required by law. 
Please confirm in writing the removal of these entries. Failure to resolve this issue may lead to further action to protect my rights under the FCRA, FDCPA, and TILA. 
Attachments Copy of my Government-Issued ID Copy of my Social Security Card Proof of Current Address Copy of my Credit Report showing the disputed errors Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.
Product: Credit reporting or other personal consumer reports

I have XXXX derogatory entries on my credit report. 
Why are there multiple disparaging swings in my credit score despite no derogatory activity? 

Is there a problem with their systems whereby they are erroneously reporting low credit scores for certain consumers? The financial industry relies on their reporting to be accurate to determine the financial worthiness of consumers and the below tracking trend will prove there is a real internal problem happening with my score tracking. 

I want to know if I am targeted? 

The CFPB should investigate this system wide with Equifax and demand answers for each and every score change over the last XXXX months on my credit report. I want each score change to be explained as I am prepared to pursue litigation. I have documentation proving the below trending scores as well. 

I also opened a dispute with XXXX XXXX XXXX as changes occurred by both companies at the same time which the company has never responded to despite the multiple calls I've made for updates. 

Please see the following score changes and explain.. 

What changes occurred on my credit report between XX/XX/XXXX that justified a XXXX point change? 
XX/XX/XXXX high XXXX XXXX What changes occurred on my credit report that warranted a XXXX point drop in XX/XX/XXXX? 
XX/XX/XXXX high XXXX XXXX What changes occurred on my credit report that warranted a XXXX point change to my score in XX/XX/XXXX? 
XX/XX/XXXX high XXXX XXXX What specific changes occurred on my credit report that warranted an XXXX point change in XX/XX/XXXX? 
XX/XX/XXXX high XXXX XXXX What specific changes occurred on my credit report that warranted a XXXX point decrease in XX/XX/XXXX from the XXXX score? 
XX/XX/XXXX XX/XX/XXXX score XXXX What specific changes occurred on my credit report that warranted a XXXX point increase in my score in XX/XX/XXXX? 
XX/XX/XXXX high XXXX XXXX What specific changes occurred on my credit report that warranted a XXXX point decrease in my score between XXXX and XX/XX/XXXX? 
XX/XX/XXXX, XX/XX/XXXX Please see the attachment which indicates no derogatory alerts or changes were rendered during these drastic score changes.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. I received my first bill for {$2200.00} on XX/XX/XXXX. On XX/XX/XXXX I received additional statements stating that the bills I received the day before were past due. Between XX/XX/XXXX and XX/XX/XXXX I received numerous additional bills dictating how the amount insurance was billed and how much I owed. On XX/XX/XXXX I received a final statement after the full amount was billed to insurance stating that I, XXXX XXXX, owed {$0.00}. On XX/XX/XXXX I received a letter from an agency explaining that the hospital sent the previous bill of {$2200.00} to collections. Aside from receiving a receipt showing that I had {$0.00} responsibility & insurance was billed for the entire amount, I believe this bill was sent to collections too soon. Unless I've misinterpreted collections laws, hospitals can't send bills to collections until XXXX XXXX after the statement date of the first bill, which was XXXX less than XXXX XXXX from when I received a collections notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I sent a letter explaining to the XXXX  that I was identified as a victim of an information breach. I checked my credit report and found information that I don't recall applying for the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

I am disputing the validity and accuracy of the debt referenced in your records. I request that you provide full verification, including documentation proving that this debt is legitimately mine, a detailed breakdown of the amount owed, and evidence that you have the legal right to collect it. Additionally, I request validation of the original creditors information, the account agreement bearing my signature, and any records of payments made. If you can not provide this verification, I ask that you cease collection efforts and remove this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My name is falsely reported. My name is not XXXX XXXX XXXX XXXX! My Name is XXXX XXXX XXXX and needs to be corrected immediately as you are making it easy for someone to commit fraud. Numerous hard inquiries have been falsely reported on my credit report. I have suffered from defamation of character in attempt to obtain credit and maintain life as well as my business. After numerous attempts to get remedy and have the false reporting removed the company has failed to comply. This has become very stressful for me and my family as I don't even have knowledge of the things listed on my report, preventing me from obtaining credit and resources for my family and business. I have faced damages and missed out on opportunities due to false and negative reporting on my credit report. 15 USC 1681N ( A ) states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. whichever is greater. Also, 15 USC 1681b states 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 ; which i DID NOT give your company at any time as i have no knowledge of the things reported. The hard inquiries below have been falsely reported and I am ready for litigation, I want them removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a false inquiry, my account was opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is false my account was opened XXXX
Product: Debt collection

Someone claiming to be from American Express continually calls my phone number, looking for someone named " XXXX ''. Apparently " XXXX '' owes money on a credit debt. I am not XXXX, and I have never had an American Express card before. Even after I told these people that I am not XXXX and there is no XXXX at my number, they continue to call daily. I block them but they use spoofed numbers over and over to try and trick me into answering. They get very nasty and threatening over the phone and I want this to stop.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation.

Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XX/XX/XXXX, XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

PLEASE DO NOT CLOSE AS DUPLICATE AS IT IS ANOTHER COMPLAINT ABOUT SAME COMPANY. I HAVE NEVER RECEIVED THE MONETARY RELIEVE MENTIONED BELLOW. 
Capital One in response to the cfpb dispute number XXXX claimed that they would process a XXXX XXXX XXXX of {$32000.00} in my behaf. They were not clear on how they would process this monetary relief. Because I have never receive any letter about this monetary relief or any credit into my account ending in XXXX. I wonder how they processed this amount relief or if they did not yet how they are playing to? I have never received that. XXXX - XXXX : Is all statement since XXXX where you can see the credit was never Applied.
Product: Money transfer, virtual currency, or money service

I have had an account with Daily pay since XXXX  with XXXX XXXX. I recently started having issues with them not crediting and updating my earnings like they advertised that they do. This is putting me in a bad place where I can not pay my bills because they dont want to update my earnings. 
Every time I call or reach out to them its the same finger pointing games where they say that they didnt get the reports to update my earnings.I reached out to my immediate supervisor and my account manager and theyre confused about what Daily Pay is referring to as reports. I use XXXX to log in/out and my hours are recorded in real time and for each shift .My account manager says theyre submitting the hours for my job and that the situation is out of their hands because when I signed up for Daily Pay, they released all access to it and DailyPay handles the payment going forward. Im being pingponged back and forth between the two entities and in the meantime Im behind on my rent while the game of point the finger continues. 

I want all my money paid up and the account balance brought current so I can cancel this thing and move on with my life.
Product: Credit reporting or other personal consumer reports

I disputed an address on my credit report because there was a typo. The address is XXXX XXXX XXXX but the credit report has XXXX XXXX XXXX. They sent me a report saying the fixed and replaced it with some XXXX XXXX address in Minnesota, I've never lived in Minnesota. Help please
Product: Credit reporting or other personal consumer reports

They don't communicate with one another. 

XXXX, XXXX and Equifax report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information [ CREDIT ACCEPTANCE CORP ACC # XXXX ] to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the Gramm Leach Bailey Act, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Vehicle loan or lease

I refinanced my car with XXXX XXXX Credit Union on XXXX. They sent a check to Hyundai Motor Finance to pay off my loan and the check was cashed on XXXX. XXXX claims that they can not locate the payment made and that there is nothing they can do. 

I have contact Hyundai four times since XXXX to get the issue resolved. 

Today was my fourth attempt to resolve this with XXXX and I was on the phone for over forty minutes and was still told there was nothing they can do.

This check was over nighted to Hyundai and cashed, it had all the proper documentation and was for the final pay off amount of {$13000.00}. 

I have my new payment set to come out of my account on XXXX. I also have a payment with Hyundai still set to come out on the same date. That will be over {$800.00}. If I remove my payments with Hyundai I will have negative marks on my credit report but, if I don't pay on my due date, they will take out a payment that is not owed.
Product: Credit card or prepaid card

I have a XXXX XXXX credit card. With this card loyalty rewards are accrued. I made a purchase of {$480.00} of which I applied {$450.00} loyalty points. The {$450.00} of loyalty point to be applied was displayed on the receipt. 2 of the orders totaling {$100.00} were on back order. The order was placed onXX/XX/XXXX. All the items totally {$370.00} were shipped by delivered byXX/XX/XXXX. I was not notified of the 2 times being of back order. I called the company any they communicated that the loyalty points woudl be applied once the total amount of the delivered items exceeded the loyalty points amount. On XX/XX/XXXX, the first of the 2 back ordered items were delivered in the amount of {$95.00}. The total amount of the delivered items was {$460.00}, which is greater than the {$450.00} reward dollars. The next statement date closed at XX/XX/XXXX and the amount had not been applied. I called several times through process and it was communicated it would be applied in 3 to 5 business days. The credit card company did n't apply the credit and instead charged me for {$25.00} of interest. This I called them and they would not remidate this situation. It is now XX/XX/XXXX. No credits have been applied to my account, and instead they have charged me  interest. This credit card company needs to be thoroughly audited as this is the 4th time i have had to call to get loyalty credits applied. I am sure there are hundreds of individuals getting XXXX out of earned credits and also being charged undue interest.
Product: Debt collection

Portfolio Recovery added a debt to my credit profile without notifying me about the debt in advance. 

On XXXX XXXX, 2017 I received a notification that Portfolio Recovery added a n account XXXX XXXX XXXX XXXX to my credit file. I was in the process of verifying/confirming the debt with XXXX XXXX and they removed the account from my credit file and two months letter it was sold to Portfolio Recovery and put back on my account. I was never notified of this debt and I know its against my Consumer Credit rights to add any accounts to my file without proper notification. This addition to my credit file dropped my score down immediately. 

Please investigate my claims and make appropriate actions.
Product: Credit card

I purchased a transmission from XXXXXXXX XXXX XXXX XXXX my Discover card was charged XXXX $ however I never received the transmission the charges went to XXXX XXXX  in NY city but they never sent me the item they told the credit card company that they provided a security system service but they never sent any supporting documents I have been trying to resolve this issue with Discover card but they refused to open up the case with the merchant.