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

Transunion XXXX and XXXX have been requested to add my statement to my credit file. I would like this statement added to my credit report on my sent to every company who has viewed my credit file since XXXX. Statement '' I have requested XXXX XXXX send to my address a copy of the original signature when this debt was established. XXXX is inaccurate with reporting the 1st date of of being late in XXXX. CFPB published that XXXX was found guilty of thhe same concerns I have. CFPB reportedWhen XXXX XXXX purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations ''
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute with TransUnion regarding the inaccurate personal information on my credit report. Despite my repeated attempts to have this information corrected, TransUnion has failed to take any action, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. 

The inaccurate information on my credit report pertains to the listing of a XXXX XXXX XXXX in XXXX, GA XXXX, and a XXXX XXXX XXXX in XXXX XXXX, NJ XXXX under the name XXXX XXXX. These addresses have no association with my personal information. Additionally, the labeling of " XXXX XXXX '' on my credit report is both defamatory and false. The term " XXXX XXXX '' is defined as someone who spends money on gratifying XXXX impulses or pleasures, which is completely inaccurate and damaging to my character. 

I have made multiple attempts to dispute this information with TransUnion, but they have consistently ignored my requests and failed to take appropriate action. This negligent behavior is unacceptable, and I am seeking a resolution under the FCRA. 

According to FCRA 15 U.S.C. 623, consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies such as TransUnion are required to conduct a reasonable investigation into these disputes. Furthermore, under section 616 [ 15 U.S.C. 1681n ], credit reporting agencies can be held accountable for willful non-compliance with the FCRA. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and compel TransUnion to correct the inaccurate personal information on my credit report immediately. I also request that appropriate action be taken against TransUnion for their willful non-compliance with the FCRA. 

Enclosed with this letter are copies of documentation supporting my dispute, including proof of my identity and evidence of the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

This morning, I found incorrect accounts listed on my credit report, and I have no idea how they got there. I routinely check my report, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this issue, I am requesting a thorough review of the documents I have submitted to ensure I no longer have to worry about such problems.
Product: Checking or savings account

I opened a business checking account. Went to Capital One, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. They helped me to open an online business checking account. 

A few months later they blocked the business account. Upon checking the account details I found out that the account details were mine instead of business. 

I have revisited Capital One Bank to resolve this, but they told me to connect with the phone help. Once in the phone call, they transferred and then kept me on hold for more than 45 minutes and no one picked up the call. This has happened 3-4 times. I have been waiting for 2 weeks to resolve this with no success. 

My funds have been blocked for two weeks, and due to Capital One Bank 's ignorance, my business has suffered a major financial loss.
Product: Debt collection

I had a vehicle that I purchased XXXX XXXX financed through XXXX XXXX. The vehicle was stolen in XXXX of 2016. I did file with my insurance company. Insurance paid some but left a balance. XXXX XXXX wanted insurance to pay an amount that was much higher on a XXXX XXXX XXXX vehicle as if it was brand new, insurance company refused.Insurance company sent them a check for what the vehicle was worth at the particular time. XXXX XXXX then sold the account to Ncb Management Services. After sometime I noticed Ncb Management Services had not only added this debt to my credit report but also listed HOME FORECLOSURE as well. I have not ever had a mortgage. I have contacted them about this and they will repeatedly avoid discussing the issue / or will advise me that it was not them that listed the foreclosure on my XXXX Credit Report. Listed on my credit report following the debt has Ncb Management Services as the furnisher of information regarding this FORECLOSURE. I have called to correct this several times and they will avoid me.
Product: Student loan

I was making payments to the company off {$150.00} I thought this was my new payment. Then I received a call saying I was no longer enrolled in this program. My family of XXXX and XXXX XXXX  are struggling. The company asked for all my bills and I gave them everything and they could clearly see I can not afford to repay this without sacrificing food, housing, utilities and transportation for my family. No one cared and told me I was basically out of luck. Now I have defaulted on my loan and it is negatively effecting my credit score making it impossible to crawl out of this hole.
Product: Debt collection

Collection Company : Alliance XXXX, XXXX, FL In XX/XX/XXXX there was a debt collected which I did not dispute and pais in full. I Noted that the address the originating HOA had on file was incorrect and gave correct address as well as permission to coordinate payment with my property manager. Neither happened. The HOA still has and address I have not lived in since XXXX, and collection company has that address and addresses I have never lived on file. A new account was sent to the same collections in XX/XX/XXXX. Collections did not email me until XX/XX/XXXX, and added around {$2000.00} in fees since then. HOA has also sent emails showing both companies had a way to reach me and chose not to do so. Collection company also noticed " duplicate charges '' on the original balance sheet, further highlighting incompetence. I should not be penalized upwards to {$2000.00} because both companies, especially collections, did not do their due dillegence to contact me. Especially because collection companies are notorious for excessive phone calls/contact, it seems this was a tactic to let the fees stack up before reaching out. 

When explaining what had happened, collections responded with " it is the responsibility of the homeowner to pay their debts '', I asked how am I supposed to pay when I received nothing about what I am paying, who I am paying and where to pay it, the representative interrupted me saying that if I continue to be angry she is going to hang up on me. When I asked " you are going to hang up on me while I am explaining that you are ignoring everything I am saying? ", again she interrupted, said " yes '', and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX 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 card

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. XXXX XXXX  Account ( XXXX ) After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : Documented Inconsistencies : XXXX. Different Credit Limits : o Varying amounts across bureaus 2. Inconsistent Closure Dates 3. Different Payment Histories Applicable Laws & Violations : 1. Section 607 ( b ) of FCRA [ 15 U.S.C. 1681e ( b ) ] : Violation : Failure to maintain accurate credit limits 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The XXXX XXXX XXXX failure of accurate reporting means the disputed items/accounts should have been removed. 
3. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update closure information consistently 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of account terms 5.
CFPB Regulation V, 12 CFR 1022.41 : Violation : Inconsistent reporting of fundamental account terms 6. FTC Commentary 623 ( a ) ( 1 ) ( A ) -2 : Accuracy of account terms Violation : Inconsistent reporting of fundamental account terms
Product: Credit reporting or other personal consumer reports

am writing to formally dispute certain information in my credit file with your bureau. Upon review of my credit report, I believe that there has been a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, in relation to the furnishing and obtaining of my personal information.

To be clear, I have never provided written consent to any party to furnish or obtain my personal information as it relates to the credit reporting process. I would like to bring to your attention that under 15 U.S.C.

1681b, personal data can not be obtained or shared without appropriate authorization, particularly when there is no written As required under the FCRA, I respectfully request that you : 1. Investigate and verify the accuracy of any information that was furnished or obtained regarding my credit report.

2. Provide evidence of my written consent or authorization for the reporting of my information, as stipulated by law.

3. Remove any inaccurate or improperly obtained information that is not compliant with the FCRA and your obligations.
Product: Checking or savings account

My account was closed ten minutes after I had some friends sent money to me. I have reached out to Chase various times and they just said they have made a decision that Chase will no longer bank with me. No any other reason available. They said my money will go back from a check mail to me, but it cant be determined now how much time it will take.
Product: Credit card or prepaid card

I had got Care credit for dental, and after so many months there's was a large sum of interest was added which I didn't even know that was gon na happen. I never received an adequate explanation of the terms. No one explained to me when signing up that was going to happen. I was told I just needed to pay my account balance. I opened this line of credit in XXXX, I struggled in XXXX, because of the added interest amount added and high interest and I couldn't pay. The highest balance was {$600.00}, and I checked my report and now I have a balance of {$1200.00} in collections ( ridiculous ). 

I am writing this because I just came upon this lawsuit against GE capital bank. I am wondering if I am able to get reimbursed due to my situation. Thank you, and I hope to hear from someone soon. 

CFPB Orders GE CareCredit to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  account number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XXXX XXXX XXXX I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and two late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last four : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XXXX XXXX XXXX 
Remove any late payment dates after XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred afteXXXX XXXX XXXX XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from XXXX XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXX stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XXXX XXXX XXXX is attached. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on consumer credit reports that theres unauthorized inquiries on my XXXX, Experian and XXXX reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois department of human services website was breach by hikers and important information was breach
Product: Mortgage

I am XXXX XXXX XXXX, my XXXX XXXX XXXXXXXX discounts are increasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My discounts are maximum allowed 50 % across all taxes by XXXXXXXX XXXX XXXX XXXX outsources their escrow, XXXX demanded a copy of the tax bill prior to discounts.. If they were knowledgeable about the process they would know that there is not a bill before tax reductions. It is a formula, which calculates your invoice based on the towns rates. How ridiculous that they do not know that.. They claimed they called town hall. The tax contact has not record of the request. I am a XXXX XXXX XXXX XXXX. raising an young adult with XXXX, strict budget. They are unreasonable, XXXXXXXX XXXX is antiquated, I mailed copies of the town papers showing all discounts .. How do you deal with such a stupid bank? According to the town my taxes next year should be roughly {$1300.00} less. I refuse to give this bank any more to hold on to I am calling them next week.. I prefer to email them to have proof, every person has a different answer since they outsource their escrow department.. DO you know you can only mail information to them, no idea how long it takes to get to correce department.. As soon as rates drop Im will to give up my FHA to get rid of XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an extension of my previous complaint with Equifax XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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 I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged Equifax to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating multiple sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate.
Product: Checking or savings account

I am POA for finance for a friend in Florida, whose husband passed away in XX/XX/XXXX. I live in Ohio and am trying to gain access to SunTrust accounts into which my friends ' pension distributions have been deposited. My friend is sole beneficiary of her husband 's estate. My friend has XXXX and has been declared incompetent to handle her own affairs. My name is currently not on those accounts. The bank requested and received all documentation in XX/XX/XXXX that verify that I am POA, but the bank maintains that I must make transactions in person. At one point, a customer service person told me that I could add my name to the account ( and thereafter make transactions ) by sending hard copies of POA and other verification documents to a XXXX, VA post office box address. I did that, but have again been denied access to the accounts, despite verification that the documents had been received in XXXX. I have spoken to both the branch manager in XXXX, FL and various customer service reps over the last few months, and the executor of the will ( at another bank ) has also attempted to facilitate this. An elder care attorney assures me that the bank can not deny me access to the funds and can not insist that I only transact business in person. My friend 's living and medical expenses are piling up and accruing interest because of this delay. SunTrust claims that the " in-person '' policy is in place because they are using XXXX XXXX 's policies as an example.
Product: Debt collection

This company is contacting me for my father. They are not even contacting me for me. This is not my debt so why are you calling me