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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late. 
Bank Processing Error : There was an internal error at XXXXXXXX XXXX that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXXXXXX XXXX  acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXXXXXX XXXX immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXXXXXX XXXX as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX, EXPERIAN AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, EXPERIAN AND XXXX TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$48.00} Status Open FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Collection account. {$350.00} past due as of XXXX XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. $ XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family
Product: Credit card

On XX/XX/year>, I successfully completed the requirements to receive a solid XXXX  card from Robinhood, as outlined in their offer. Following this, I received an email confirming that I would be receiving the solid XXXX  card, as advertised. I also followed up several times with customer service representatives and a manager, all of whom assured me that the card was in the process of being forged.

However, it has now been over seven weeks, and I have yet to receive the card. This delay is highly unusual, and despite my repeated follow-ups, customer service has not provided a satisfactory explanation. Instead, I have been receiving generic, repetitive responses. Even after insisting on a more thorough investigation into the delay, no meaningful assistance has been offered.

This level of unprofessionalism is disappointing, particularly given that I fulfilled all the referral requirements weeks ago. I expected better communication and a timely resolution from Robinhood in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion performed an investigation on XX/XX/2023 related to the account VA XXXX XXXX XXXX XXXX # XXXX. The investigation results indicated that the BALANCE = {$1900.00}, the PAYMENT STATUS = 120 days late, and there are THREE 90 days late payments. All the previous data is incorrect to include the balance, payment status and payment history. I do not have a balance, I am not in a late payment status and I have never been late.
Product: Credit reporting

I have called and have done online dispute over 5 times with Equifax and each time they are not reviewing the information correctly. They are reporting false info on my credit reports. The account number does not match my account number. It is my only collection and is not mine. I have gotten a debt validation from the collection company and i have proved it does not match the account number i have. Equifax has not looked closely at this info and seems to be looked over by a computer. Account numbers do not match on debt of validation from XXXX. it is ruining my credit. i have also made a police report. This needs to come off of my report. Equifax takes a long time to review and when they do report, it is still false information. 
-XXXX XXXX has done their 60 day investigation and at least they see its false. 

Also, while i asked for debt of validation, Equifax let XXXX XXXX XXXX report again on my report as " open '' and " late '' and not as " being disputed ''. This is against the rules as well. 

This is against the Fair Credit Reporting Act ( FDRA ). i will submit to XXXX and contact my state 's attorney general if this does not get resolved. 

-Equifax reporting false info -Equifax not looking over account numbers -I have disputed 5 times and they are not looking at the info and it remains -i have attached my debt of validation from ONLINE COLLECTION SERVICES ( look at account number ) - i have attached my bill with account number from progress energy when i cut off my last bill ( look at account number ) -i have attached XXXX XXXX actually looking and correcting this issue like a credit reporting agency should. 


I expect this to be resolved very fast and not take weeks like when i dispute through Equifax dispute website. I have my information attached if you need to contact me.
Product: Debt collection

A Certified letter was sent and received by the company on   XXXX   XXXX   The letter stated that I had complaints about the reporting of some items on my report. I also have a record of them calling before  XXXX . They never responded back to my letter on time and also failed to mark my report as disputed on time. They have violated the FDCPA and FCRA. Looks like up to {$3000.00} in violations.
Product: Money transfer, virtual currency, or money service

I placed a money order through Western Union on XX/XX/XXXX, for {$740.00}. I ended up not needing to use it. I requested a refund and received confirmation of the request by email on XX/XX/XXXX. I never received my refund or any other contact from Western Union. I began calling in XXXX, and requested again for the money order to be refunded. I was told that it would take another 30-45 days. On XX/XX/XXXX I was told that the check was in the mail. On XX/XX/XXXX, there is still no check. I called on XX/XX/XXXX to ask why the refund has still not been processed, and no answer was given. I requested to have the money refunded to the original payment ( debt card ) I was told this is not possible, despite terms and conditions stating that a refund can be made to the original payment method or a check. I asked to speak with a supervisor and was told no. I asked for an explanation of what is causing the delay in my refund and was told that I could start the process over online if I want. To my view, Western Union has no intention of refunding my {$740.00}, and has stolen this money. There has been zero explanation made as to why I have been waiting XXXX  months for this refund. I have spoke with at least 5 different customer service agents and have been told the exact same thing each time Im sorry, it will be 30-45 days.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer reportXXXX XXXX XXXX XXXX XXXX  - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit card

I have an over limit fee of {$40.00}. I didnt agree to this and they should have just declined my card. They are telling me that this is in the credit card agreement when I got the card but I didnt sign up for this fee. I dont allow any credit card to pass the limit and have a declined transaction instead if I go past the limit. I also pay on time. I called the US Bank customer service on XX/XX/XXXX and she said that she cant waive the fee. I also asked if she can provide a courtesy and have me talk to a manager but she is saying that no one is available and she cant take an escalation and no one is higher than her.
Product: Debt collection

On XXXX XXXX, i had a XXXX XXXXeeting with XXXX XXXXXXXX from XXXX XXXX XXXX in regards to having a personal trainer. After we finished our XXXX meeting i realized this is not what i wanted because they did not have a XXXX XXXX for me, all they offer was meal planning. So i told XXXX XXXXXXXX i will get back to him after i spoke to my husband. A few minutes later i saw an email from affirm saying that i took out a loan with they from XXXXXXXX XXXX of approx {$4300.00}. I immediately contact affirm and a dispute was open. I tried contacting XXXX  XXXX and he told me that i should not have called affirm and he is not able to do anything about the situation now. About a month after i got an email from affirm saying that XXXX XXXX  won and i now owe them and i should start paying on the account. I made several attempts to contact affirm to have this problem resolved but all i could hear is i need to start paying. Now XXXX  XXXX advise me that the only way he could help me is that i should make a payment on the account and call my bank and report it and send him the document from the bank, i did no such thing.
Product: Debt collection

I HAVE BEEN DEALING WITH THIS DEBT THAT ISNT MINE FOR YEARS! 
XXXX WAS COMING AFTER ME AND NOW THEY KEEP SELLING THE DEBT TO DIFFERENT COMPANIES. I AM A VICTIM. THIS IS RIDICULOUS. I NEED A CAR AND CANT GET ONE BECAUSE OF THIS ACCOUNT ON ALL MY CREDIT REPORTS REPEATEDLY. I NEED HELP!
Product: Payday loan, title loan, personal loan, or advance loan

Hello Im sorry this is hard for me to explain. When these loans were requested and approved I was going through a super difficult time in my life with my children. It involved XXXX XXXX XXXX and Law Enforcement due to XXXX XXXX. Lost my job and I have been struggling with XXXX XXXX  and getting back on my feet. 
In going through my emails I found an email dated XX/XX/year> from a XXXX address? XXXX from a XXXX XXXX ( XXXX  XXXX at FEDERAL CREDIT BUREAU )? 
Ive attempted to conduct research on this company and person but nothing was found. If you would please assist me with this matter I would greatly appreciate it. Thank you XXXX
Product: Debt collection

OnXX/XX/2019 I reached out to this company explaining the debt and no response was ever made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my home to foreclosure over 7 years ago. US Bank was my lender. The last payment was XX/XX/XXXX and the auction was XX/XX/XXXX. The 7 year time period has lapsed. It must be removed as the date of first delinquency has long since passed, as has the actual date of the foreclosure itself. Per the Fair Credit Reporting Act ( FCRA ), the mark must removed. I have contacted XXXX, XXXX XXXX, and XXXX. All simply " verified the information '' and took no action on it. I will hold US Bank accountable legally for continuing to report this past the statute of limitations provided by the FCRA if they do not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ORDERED MY CREDIT REPORT AND SAW THIS COMPANY ON MY REPORT SHOWING THAT I OWED MONEY.I HAVE SUCCESSFULLY PAID OUT THIS COMPANY AND RETURNED THEIR EQUIPMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I received notification from XXXX that a new address was being used with my Social Security Number. Unfortunately, I have never been associated with this address, which is now listed on my credit report. After further investigation, I discovered that an account was opened with my SSN using XXXX 's " Affirm '' financing affiliate. I contacted Affirm and was informed that three loans were approved in my name totaling over {$3000.00}. The largest loan was used to purchase Gym equipment through a company called XXXX. Interestingly enough, I was told by the Affirm representative that a direct debit was set up to pay for the fraudulent loan but payments were recently stopped. The card that was used is not a card I ( or my wife ) have ever owned. So far, only one of the Affirm loans is currently listed on my XXXX Credit report. Additionally, the fraudulent address ( XXXX XXXX XXXX, XXXX, NC XXXX ) is only showing on my XXXX XXXX XXXX.
Product: Debt collection

Gold key credit inc- XXXX XXXX XXXX XXXX Amount : XXXX Date XX/XX/2016 but they sent it to the credit XX/XX/2917 I have been trying to solve this problem since my son pass that day. I went to hospital because my baby was in XXXX ended up losing him and having an emergency deliver knowing that he was not alive anymore. So as u can imagine until today this is devastating for me. The XXXX XXXX from the hospital I dont know why did not charge the right insurance, by that time my primary was XXXX XXXX XXXX XXXX XXXX and the second one was through my employer XXXX XXXX. Instead of the XXXX XXXX charged my primary they charged my secondary, so for that reason they did not pay. They are supposed to cover what the first one do not cover. The hospital charged my right insurance so I dont understand why if is the same visit the same day same reason why the emergency did such a big mistake. Please help me, they told me that is too late to fix this and that the primary insurance which is was XXXX XXXX is not going to cover. Its not my fault, please help me solve this problem to at least have a little peace for my son that pass away and for me. 
Thanks, XXXX
Product: Credit card

I have two Fidelity credit cards. Fidelity changed processors and their autopay service was stopped. Numerous times I signed up for autopay and it was unsuccessful without my knowledge. Fidelity signed up one credit card on autopay and the other did not go through. As a result they marked one payment as late on my credit report. They reversed all fees after I called and instructed me to write a letter to a separate department to notify the credit bureaus there was an error and the manager told me in 30 days the late record would be removed from my credit. I called this department 3 times holding for 40-55 minutes before the call would be disconnected. I latter received a response from Fidelity that they refuse to remove the late payment from my credit reports. 

I have always paid my credit cards monthly off in full. Fidelity made the processing error and need to remove the late payment record. Evidence of this is they refunded all late fees and admitted this to me on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Lexis Nexis 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They have recently placed a collection on my credit report for XXXX and I have no idea what this is about
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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