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

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure timely payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, TransUnion reports a 30-day late payment for XX/XX/year> on my XXXX XXXX account. My payment records confirm a consistent history of on-time payments due to my autopay enrollment, and I have not missed any payment obligations. 
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.

Potential Violation of the Fair Debt Collection 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. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate 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.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments. 
Payment History : This account history reflects a consistent record of timely payments. However, XXXX report erroneously lists 30-day late entries for XX/XX/year> and XX/XX/year>. Additional 30-day late entries are also incorrectly reported for XX/XX/year> with both XXXX and TransUnion. My autopay setup ensures on-time payments for all accounts, and my records substantiate a perfect history of timely payments. 
Attachments : A copy of my government-issued ID Social Security verification My latest account statement from XXXX XXXX showing payment status I expect to receive written confirmation of the removal of this erroneous late payment entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Product: Debt collection

Hello, I would like to file a complaint against Diversified Consultants. They have called and spoken to my husband and myself multiple times per day this week ( at least 5 ).

They called last night and lied to my husband saying that they had already spoken to me ( which they did not ).

They called me today and said that my husband agreed to pay last night but they needed to talk to me for payment ( he never agreed to pay, nor did I ). She also got very belligerent, yelling at me and continued to lie to me about their conversation last night ( which I Was present for ).

I told her that they need to stop calling me and my husband and they need to talk to my attorney, she hung up on me then promptly called my husband to attempt to collect from him again.
Product: Credit reporting or other personal consumer reports

Fraudulent information is linked to my identity. Accounts and transactions were wrongly attributed to me without consent, causing distress. I'm an identity theft victim and have reported this. This urgent issue is harming my finances and reputation. Remove all fraudulent information from my credit report quickly and investigate thoroughly. I'll provide evidence and may take legal action if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion, XXXX and XXXX  and asked them all to correct the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and XXXX. XXXX XXXX and I notice some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I sent a letter asking them to reinvestigate these accounts listed below because XXXX accounts was removed a XXXX year ago now they rereported these same accounts below The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XX/XX/XXXX {$270.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XX/XX/XXXX {$340.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$360.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$1800.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX {$5500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$6500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate These XXXX Derogatory marks Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate They have not responded to me, Can you look into this matter again thanks.
Product: Debt collection

I've been contacted by phone by Deauche Bank, attempting to collect {$29000.00} on a purportedly delinquent installment loan, but when I call Deauche Bank  ( XXXX ), they can not find the account, yet are still unwilling to put anything in writing confirming that I never had an account with them, or provide more details on this purported debt if a loan was taken out in my name by an unauthorized person. I want a letter from Deauche Bank saying that I, XXXX XXXX, XXXX XX/XX/year>, have no delinquent accounts with Deauche Bank, as well as no charged-off collections from Deauche Bank .
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 It also states a consumer reporting agency Can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a credit card account as late for any purpose.

Under 15 USC 1666B a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Request to Correct and Delete Personal Information Dear who it XXXX concern, I am writing to inform you that I believe my personal data XXXX have been compromised or leaked. As a result, I request that you update and correct the personal information on file with your bureau. 

Here is the correct information that should be on record : Full Name : XXXX XXXX Cell Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX Employer : XXXX XXXX Furthermore, I request that all other personal information that is not listed above be deleted from your records to protect my privacy. 

Please confirm receipt of this email and provide me with a status update on the actions taken regarding my request. I understand that you may need to verify my identity, so please let me know if you require any further information or documentation from me. 

Thank you for your prompt attention to this matter. 

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

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse called for her XXXX XXXX XXXX credit card for adding me as authorized user. She asked them to increase her credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my credit profile or SSN? Called XXXX XXXX today morning. When wanted to talk to the supervisor, the call was deliberately dropped. 
Called Experian, talked to XXXX and he is stating that they can not trace this credit alert notification at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
Product: Credit card or prepaid card

We moved from XXXX XXXX, XXXX to XXXX, XXXX in XX/XX/XXXX. We paid our bill with the moving company with a U.S. Bank credit card. 6 months later, in XX/XX/XXXX, the moving company charged our U.S. Bank credit card without our knowledge or consent. I did not know they charged the card until I received my credit card statement in the mail. It was not until well after the transaction was disputed and I filed a complaint with the XXXX XXXX XXXX that I learned a billing error occurred in XXXX, and they thought they could just charge my card without my knowledge to make up the difference. 

I called the credit card company several times, disputing the charge. I did not authorize it or sign for it. They told me that because the moving company produced a bill, that they would not reverse the charge. 

I notified them that they are obligated under the law to ensure each transaction is authorized. I asked them, if this was not the case, then why do point of sale transactions ask consumers to sign for each purchase? I was told that because I gave them my credit card information in XX/XX/XXXX that they could use it whenever they wanted as long as they could prove I owed that company money - whether or not I authorized the transaction. 

I was told by my credit card company on the morning of XX/XX/XXXX at roughly XXXX XXXX EST, by a man named XXXX in their dispute department, that they do not require proof of my authorization of charges. XXXX told me that it was only necessary for them to see a bill from the charging company, despite my authorization of use of my card not being anywhere on that bill. 

My credit card company allowed an unauthorized transaction to run on my card, and told me that my dispute was invalid even though I never authorized the transaction, and I was never even notified the charge was being made - or that I owed any money at all.
Product: Consumer Loan

We financed our new car purchase through Chase Bank. The auto dealership was running a special that waived the first month 's payment. Three weeks prior to when the first free payment would have been due, we set up auto-pay but noticed that the first payment due date did n't reflect the first month free. This was brought to Chase 's attention immediately but nothing was fixed. They sent us a past due notice once the due date came and went. We called again, explained the situation, and were told they 'd take care of it but they never did. We received another past due notice, threatening late fees and reporting to credit reporting agencies. After numerous calls to the dealership and Chase, we were finally assigned a person at Chase Auto Finance who we were assured would help. Five calls to her went to voice mail and were never returned. Finally, to avoid this affecting our credit, we paid the first month payment. That was in XXXX. It 's now almost XXXX and there has been no resolution. Chase assigned us another representative who was going to solve this issue. Like our previous experience, calls go straight to voice mail and they are never returned. XXXX XXXX, XXXX ext XXXX, give her a call and see if she answers. 
The bank admitted to entering our loan into their system incorrectly but they 've never apologized for their mistake nor offered to remedy the situation. They do n't return our calls. They only ever called us to try to collect money that we did n't owe. They harass and threaten to report our lack of payment to credit reporting agencies. Once they got our money, they stopped calling but it 's our money and I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter for personal information correction was sent out to XXXX, Equifax, and XXXX  on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. XXXX  replied on XX/XX/2021 but failed to correct my personal information in completion. Equifax and XXXX  failed to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

the below accounts are not mine and should be removed from my credit report
Product: Checking or savings account

In the month of XXXX I became a victim of fraudulent transactions. These unauthorized transactions were placed onto my checking account with Wells Fargo. Usually notifications of all transactions are immediately sent to my phone, but for these transactions no alert was sent at all. I called Wells Fargo to dispute these transactions which totalled {$1000.00} dollars. I asked why was I not sent any alerts on these transactions and they could not explain why, but they provided a temporary credit to my account until the investigation was complete. I declared that I did not authorize those transactions and thought my account would be protected, but I was let down. My bank sent notice when the investigation was complete stating I authorized those transactions, which is completely not true. The credit that was issued has been removed and I am held liable for unauthorized transactions which should be reversed. Please help with ensuring the bank does the right thing and issue the rightfully due credit to my account, I am not a fraud.
Product: Credit card or prepaid card

Chase credit card failed to resolve a valid credit card charge dispute and accepted fraudulent documents to support the vendors credit card charge. Chase was rude and unhelpful, even given that we were facing an extreme medical situation. I was due a credit for a flight on XXXX XXXX ( XXXX to XXXX on XX/XX/XXXX ) that my family and I did not take due to a medical emergency related to COVID 19.  We provided medical documentation in accordance with the carriers cancelation policy, yet the vendor did not respond to our repeated contact attempts. I contacted Chase to to dispute the credit card charge for the flight, and they denied the dispute after the airline falsely claimed that we actually boarded the flight. This is false. We did not take the flight due to a medical emergency certified by our child 's doctor. I have proof that we did not board the flight including our hotel receipts, and six witnesses ( my entire family ). Surely, the airline could determine through video at the airport that we did not take the flight. Nonetheless, they falsely claimed that we boarded the flight. Chase credit cards was complicit in the fraud by accepting the false documents from the vendor and failing to address the invalid charge they applied on my credit card. This type of blatant disregard for credit card customers and failure to address a valid customer fraud complaint is shameful and Chase should be held accountable.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, S

ection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the Equifax Credit Bureau, the XXXX and XXXX Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the Equifax Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/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/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I RECEIVED TWO LETTERS in the mail from Accelerated Financial Solutions in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report. 
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.
Product: Credit reporting or other personal consumer reports

ive disputed this fraudulent account XX/XX/year> ive attached a copy of the FTC FORM I DID WITH THE DISPUTE. NOW IM ASKING THIS COLLECTION COMPANY CREDIT CORP SOLUTION TO PROVIDE itemized statement, THE AGREEMENT BETWEEN BOTH COMPANIES, THE CONTRACT WITH MY SIGNATURE.