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

On XX/XX/2024, I ordered my annual credit report online and noticed accounts that didnt belong to me. I contacted Transunion to place a fraud alert on my credit report. I placed a fraud alert on XX/XX/2024, and followed up with a credit freeze. On XX/XX/2024, I spoke with a representative named XXXX at Transunion at XXXX XXXX. I explained to XXXX that I have fraudulent accounts on my credit report and provided the account numbers. XXXX informed me that Transunion would conduct a 30-day investigation and send the results by mail. I sent a dispute letter by mail to Transunion, including proof of my identity, a list of fraudulent accounts, and an attached FTC identity theft report. On XX/XX/2024, I received a letter from Transunion stating that they declined to block the fraudulent accounts. I am a victim of identity theft, I have taken the proper steps to get these fraudulent accounts removed, but Transunion is making this process difficult.
Product: Mortgage

I was in bancruptcy when my mortgage was sold back to Ocwen. They raised my payment which made me file for a modification. I was approved which also allowed me to end my Chapter XXXX. My modification was effective in XXXX 2015, my Chapter XXXX was dismissed in XXXX of 2015, and it has taken until XXXX of 2015 for them to straighten out the billing on their end. I have not been late but was still be reported as late. I was told that it would be corrected, however today I received notice from them that they were going to just " not report '' ( but already showing late ) for the time period of XXXX to XXXX and just report going forward. So was reported incorrectly while they did their clean up and now they are not going to fix it.
Product: Student loan

I paid {$190.00} in XXXX and XXXX for student loans to a third party company named United Student Loan Assistance. I also paid {$190.00} in XXXX to this company. They stated that these three payments would get rid of my student loan debt with XXXX. That turned out to be false. My mother had a parent plus loan with them so that I could attend college. I spoke with XXXX and they stated that they never received these payments I made to the third party. XXXX advised me to file a complaint with the consumer finance bureau.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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

On XX/XX/XXXX, I placed a credit freeze on my Equifax account. My printout from then says : " A Security Freeze has been placed on your Equifax Credit File on XX/XX/XXXX. In order to ( i ) permanently remove the security freeze or XXXX ii ) authorize Equifax to release your credit file for a specific period of time, you must provide us with a 10 digit personal identification number ( PIN ). Your PIN is <my pin>. It is for your personal use only and should not be provided to anyone else, including potential creditors. '' I was on the understanding that a PIN would be required to unfreeze my account. Today, XX/XX/XXXX, I went into Equifax 's website, created a 'My Equifax XXXX account to manage this freeze, and then temporarily unfreeze it for a mortgage application. During this process they asked for my name, address, phone number, SSN, and email. They then sent a verification code to the email I provided. I was then able to temporarily unfreeze my credit file with them WITHOUT EVER ENTERING MY PIN. 

All of this information is effectively public domain at this point ( and in their original breach ), and the email I provided was not for verification purposes but entirely under my control to create this my equifax account. Anyone could have done so and unfrozen my credit file and commit fraud against me WITHOUT the PIN they promised would be required.
Product: Credit card or prepaid card

My problem is with XXXX XXXX XXXX, It is a fraudulent company. 
It never allows me to get online and see my account. 
They consistently increase my balance and I haven't used my card. They only send spam and the online acct system NEVER works so I can nerver see my acct. 
It always sends me and all customers SPAM emails about late payment but my payments are not late. I have to call in my payments My last payment was on XX/XX/XXXX for {$68.00} by phone and and one week later they mailed me a letter and a bill for {$150.00} saying I was late but my next payment wasn't due till the end of XXXX. 
They frequently claim their system is down and can not give account info and as of this month ( XX/XX/2022 ), they say this to their customers everyday. 
They also refused to close my account and continue to raise my balance even though I have not used my card in months.. 
I have also reported them to the XXXX  I am trying to build my credit after Covid and I don't know what to do I just want to close my account ASAP Thank You
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I initiated a XXXX transfer of {$50.00} on XX/XX/year>, at XXXX XXXX  to XXXX XXXX, phone number XXXX, from my US Bank checking account ending in XXXX. The transaction was confirmed by the banks system, with a notification stating that the funds would typically be available in the recipients account within minutes. The confirmation code for this transaction is XXXX. 

Despite the confirmation, as of XX/XX/year>, at XXXX XXXX, the recipient reported that they had not received the funds, and there was no indication of the transaction in their bank account. Concerned, I contacted US Bank and spoke with a representative named XXXX. He confirmed that the transaction was sent but then stated that there would be an unexpected three-day hold on the funds. This information was surprising and unsettling as it was not communicated at the time of initiating the transaction, nor was there a satisfactory explanation provided for this hold. 

This situation has not only caused financial inconvenience but also distress due to the lack of clear communication and transparency regarding transaction delays that should ordinarily be instantaneous according to XXXX service features. 

I am seeking the intervention of the CFPB to : 1. Investigate the reasons behind the unexpected delay and the banks failure to communicate such crucial information effectively.

2. Ensure that US Bank adheres to its commitment as per the service agreement and processes such transactions timely.

3. Provide clarity on policies regarding transaction holds, ensuring that consumers are properly informed in advance of such significant deviations from expected service standards. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues and ensuring compliance with fair banking practices.
Product: Credit card or prepaid card

I called Milestone about a year ago to close my account and assumed it was closed because I received a letter stating this. Then I received a call this year that my account was delinquent. I called in to close my account AGAIN and to pay whatever balance off that had been reported. I don't have this card and haven't used it so all I could provide was my social security number. I was told by the rep that my account was closed and there was no balance due. As of this week I am receiving calls again and emails that I do in fact have a balance on an account THAT IS NOT CLOSED. 

I called on XX/XX/2022 and the call lasted for 7 minutes. I repeatedly asked the rep how to pay my bill and he repeatedly told me nothing was owed and the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Wells Fargo on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on XX/XX/XXXX.
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 Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXXXXXX Account Name : 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

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payments on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies XXXX, Experian, 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/2024 on XXXX and for XXXX, XXXX, and XX/XX/2024 on Experian and XXXX 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 XXXX account shows consistent discrepancies across all three credit bureaus. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 as XXXX, XXXX, and XXXX  days late. 
Experian : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 as XXXX, XXXX, and XXXX  days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 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 XXXX, Experian, 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 or other personal consumer reports

Good day, I have repeatedly requested a contract with my signature on it giving this company the authority to report my personal, and financial information. This company has failed to do so on many occasions. I have filed complaints with the XXXX XXXX XXXX along with the CFPB and still have not gotten any authorization disclosure with my signature allowing this entity to report my information. 

The company responds with correspondence in attempts to have me provide my social security number, address, and other personal information. However, my dispute with the company is who gave them authorization to have my social security number in the first place. 

I need you to have a consumer affairs agent respond with that disclosure or comply to my settlement demand for damages suffered by the fraudulent business practices preformed by this company. 


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

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXXXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Product: Credit reporting or other personal consumer reports

Mortgage company ( XXXX XXXX XXXXXXXX ) sold our Mortgage to XXXX XXXX XXXX. And now it appears we have 2 identical Mortgages since XXXX of XXXX. Also, We closed on our house in XX/XX/year>, and no payments were reported on our loan until XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card

This account is closed!!! And paid off!! According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, LVNV FUNDING LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX :
Product: Credit reporting or other personal consumer reports

Reference Case # XXXX ; Loan # XXXX XXXX XXXX avoided responding to our main complaint. Our previous complaint accused XXXX as the root cause for the XXXX late payments. We accepted XXXX 's offer to miss XXXX monthly mortgage payments ( appreciating our Hurricane Ian suffrage ). XXXX kept secret their intent to report our XXXX approved late payments to the Consumer Reporting Agencies ( CRAs ). We were not informed of this credit reporting risk as being part of their deferment request process. We followed their procedures and we were told to continually wait for their review process to conclude. 

XXXX stated in their response that we had not paid XXXX and XX/XX/2023 payments. That is not true. I'm providing proof that XXXX was not truthful ( see XXXX XXXX payment statements ). 

I spoke with XXXX XXXX and he understood that XXXX did not inform us that they would report us to the CRAs despite being active in their deferment process. I told XXXX that were we to have been informed, we would not have accepted their offer. XXXX agreed that this case deserved a second look by management. He apologized. I was made to believe that they would grant us our relief ( simply reverse the CRA report ).
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the immediate removal of the fraudulent account from my credit report. This dispute arises from a clear case of identity theft, for which I have already filed a formal report with the Federal Trade Commission. Furthermore, I have contacted the banks associated with the fraudulent account. 
The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has prevented access to the records. They have assured me that the fraudulent account will be promptly removed. However, despite their actions, this fraudulent account still appears on my report under your bureau. I am perplexed as to what confirmation process you have undertaken. Both XXXX and XXXX credit bureaus have ceased reporting this fraudulent account following the submission of the required documents. Why does your bureau persist in reporting it? 

I insist that you promptly remove this fraudulent account from my credit report, especially considering that the banks have already expunged it from their records. Your immediate attention to this matter is crucial. 
The account in question : XXXX XXXX.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. AS WELL AS THE ACCTS DONT BELONG TO ME 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. PLEASE REMOVE FROM MY ACCT
Product: Debt collection

I move out of the XXXX apartment XX/XX/2020. I did a final walk through with a member of the management at the time XXXX. I was told the apartment was in good shape and there was no concerns. Now theres a collection on my credit claiming I owe them {$700.00} for damages. I looked at the recent reviews on the property and multiple other people are having the same issue XXXX is claiming damages to the units after confirming with the tenants there was no concerns. I need these fraudulent charges investigated and I want to hold them to the full extent of the law. False information like this caused my credit to drop XXXX points damage that will take years to fix.
Product: Money transfer, virtual currency, or money service

ON XX/XX/2023, I SENT AN INTERNATIONAL WIRE FROM MY XXXX XXXX ACCOUNT WITH BANK OF AMERICA TO AN OVERSEAS CUSTOMER FOR THE AMOUNT OF {$11.00} XXXX. 

THE WIRE WAS BLOCKED BY BANK OF AMERICA XXXX BANK ( XXXX XXXX  ) FOR COMPLIANCE REASONS. 

THE WIRE WAS EVENTUALLY CANCELED AND TO BE RETURNED TO ME AS THE SENDER. INITIALLY, THE REFUND WAS EXPECTED TO OCCUR WITHIN 3 TO 5 BUSINESS DAYS. 3 MONTHS LATER, THAT HAS NOT HAPPENED. 

INSTEAD, BANK OF AMERICA IS UNABLE TO GIVE ME ESTIMATED TIME OF ARRIVAL ON RETURNING THE FUNDS. FURTHERMORE, BANK OF AMERICA JUSTIFIES THE DELAY EACH TIME I CALL THEIR SUPPORT LINE BUT REFUSES TO SHARE ANYTHING IN WRITING AS FAR AS THE STATUS OF THE WIRE. 

AT THIS TIME, I HAVE NO IDEA WHEN THE FUNDS WILL BE RETURNED TO ME. THIS IS CREATING A LOT OF HARDSHIP FOR ME AS THE AMOUNT CEASED IS CONSIDERABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXX OF XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX