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

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Date ] XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Regarding Inaccurate Personal Information Reporting by XXXX I am writing to file a formal complaint against XXXX Experian and XXXX regarding the refusal to correct inaccurate personal information on my credit report. Despite providing appropriate documentation, specifically a copy of my driver 's license as proof of my correct address, XXXX has failed to make the necessary corrections. 

I have recently noticed that my credit report with XXXX contains an erroneous address, which is negatively impacting my financial standing. As a responsible consumer, I understand the importance of accurate credit reporting and the significant role it plays in various aspects of my life, including obtaining credit, securing housing, and even employment opportunities. 

To rectify this issue, I followed prescribed procedure by submitting a written request along with a copy of my driver 's license, clearly indicating my correct address. Unfortunately, XXXX Experian and XXXX each rejected my request without any valid justification, leaving my credit report with incorrect information. 

The refusal to correct my personal information violates several consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute and request the correction of inaccurate information on their credit reports. Credit reporting agencies, such as XXXX, are legally obligated to investigate and correct any errors promptly. 

2. Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA provides consumers with the right to obtain and dispute their credit reports. It requires credit reporting agencies to maintain accurate information and investigate disputed items within a reasonable timeframe. 

3. Consumer Financial Protection Act ( CFPA ) : The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against financial institutions that engage in unfair, deceptive, or abusive practices, including inaccurate reporting of personal information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate the actions of XXXX, and ensure that they comply with the aforementioned consumer protection laws. Additionally, I urge you to direct XXXX to correct my credit report promptly by updating my address to the accurate information provided. 


I appreciate your attention to this serious issue and request your prompt assistance in rectifying the inaccuracies on my credit report. I look forward to a favorable resolution and the restoration of my accurate personal information. 

Thank you for your understanding and cooperation. 

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

XXXX claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Improper Reinvestigation and Continued Reporting of Inaccurate Information Complaint Summary : I am submitting this complaint against TransUnion for their failure to conduct a proper reinvestigation of an account that has been previously dismissed by the courts. Despite my disputes, TransUnion continues to verify and report inaccurate information on my credit file without providing any proof of their verification methods. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : The disputed account is [ XXXX XXXX XXXX XXXX # XXXX TransUnion has continuously reported this account inaccurately, listing it as a charged-off account despite prior legal dismissal. 
I have previously disputed this account, yet TransUnion claims to have verified it without providing any evidence of their verification process. 
FCRA Violations : Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), TransUnion is required to provide me with a description of the procedure they used to determine the accuracy of the disputed information. They have failed to do so.

Additionally, per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of consumer information. By continuing to report this account inaccurately, they are in violation of this requirement.

Relief Requested : I demand that TransUnion provide a detailed explanation of how they verified this account, including documentation supporting their findings.

If they are unable to prove the accuracy of their reporting, I demand the immediate deletion of this account from my credit file.

If TransUnion does not comply, I will explore all available legal options, including filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n.

Please investigate this matter and ensure that TransUnion is held accountable for their failure to properly reinvestigate and correct inaccurate reporting. 

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

My account with ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a police report and a FTC report and submitted it to the credit reporting agencies according to the FCRA. These disputes were not filed correctly and copies of the verification process were not sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been disputed with Equifax and they have failed to verify and delete these accounts from my credit report. Their failure to do so is a violation of my right according to the FCRA. The acccounts to be deleted are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have file numerous credit disputes over the past 5 year and have never receive and verification/validation of inconsistent and obvious contradicting information reporting within the reporting account
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX. XXXXXXXX XXXX Account Number : XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting

Received an alert on my Experian credit file stating that XXXX. reinstated a collection Account ( XXXX ) That was previously removed. Alerted on XX/XX/2017 of this new account and then again on XX/XX/2017. I never received the 5 day notice required by law that the account in question was legally validated. I have no contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, and XXXX ), they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : 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: Credit reporting, credit repair services, or other personal consumer reports

I initially was able to get to my report online with Experian. I found an unknown SSN and address in XX/XX/XXXX associated with my account. When I went to dispute the SSN, a number popped up stating I had to call that number. I was then kicked out of the website. When I tried to log back in, I was told my user name or password was incorrect. I changed my password. Then it said my user name was incorrect. I recovered my username, which was the same that I had been using. I attempted sign in again, but am only returned back to the same sign in page either with or without an error. I have NOT been able to reach one person for technical issues with the website. Every contact number or link leads only to more automated messages, none provide support for technical issues. So, someone with another SSN may have access to my acct and I can not get an Experian rep on the phone to get back into my online account. This is the most frustrating issue I have ever experienced. There is no indication that I have been locked out of my account, but may have been due to the number of times I tried to gain access with my correct and updated user name and password.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I trust that you can help me quickly resolve inaccurate reporting on my credit reports with XXXX and TransUnion. Ive worked with both agencies and the inaccurate reporting still continues. 

XXXX  and TransUnion are reporting the XX/XX/2020 payment of my XXXX XXXX XXXX as 30 days late. The creditor has said that they did not report the XXXX payment late, as it was received on time. 

A check was mailed and posted by my bank XXXX XX/XX/2020. Please have TransUnion and XXXX report accurate information and remove the 30 day XXXX late payment for the account mentioned above. I need this done immediately, as it is affecting my ability to secure a loan.
Product: Debt collection

Per   XXXX   credit report IC-Collection is maintaining that I owe  XXXX   XXXX   XXXX  my current and landline and Internet provider {$290.00} dating back fro m  2013.  Desp ite my repeated requests for them to provide me with any information regarding this debt they have refused. I do not owe  XXXX   XXXX   XXXX  anything other than my current monthly payment.     I have asked them to correct this information and they have refused.
Product: Vehicle loan or lease

Called XXXX XXXX XXXX on or about XXXX, and advised were my auto loan with them. XXXX XXXX XXXX associate advised me that my auto loan was transferred from XXXX XXXX. Advised associate that loan was fraudulent from XXXX XXXX because they were not licensed in Pennsylvania to issue loans. The associate advised me she did not know anything about it, and advised me to continue making my monthly payments. On or about XXXX, my car was in an accident and XXXX XXXX XXXX company declared my XXXX XXXX a total loss and paid XXXX XXXX XXXX {$16000.00}. Called XXXX XXXX XXXX on or about XXXX and checked status of auto loan being paid in full from payment of {$16000.00} from XXXX XXXX. XXXX XXXX XXXX associate advised me that loan was paid in full. Check my credit report on XXXX, and seen charged-off amount XXXX, and it damaged my credit rating.
Product: Mortgage

I XXXX XXXX, am a overseas contractor. I been overseas for two years now. I applied for a V. A loan with FBC MORTGAGE LLC out of Florida XXXX I am suppose to transfer home to the XXXX Florida area. Under V.A guildlines I am suppose to occupy the home within 60 days but there are exceptions. While waiting to be transferred my dependent will be ocupping the home. XXXX XXXX, 2023 I was told I need to prove three years of future income. That didn't sound right so I was sent a clause from XXXX from one of their loan officers. I called the V.A and was instructed how to find the complete chapter 4 and was told that section 2. R doesn't pertain to me if I did show a full two or more years of consistent income. I tried explaining that and I wasn't being heard. XXXX kept saying my underwriting has a few friends at the VA that gave her the information she sent via email. I feel like I am being discriminated against and the company is making their own rules towards me when my V.A loan is backed and showing all the requirements they need. ( XXXX XXXX, XXXX  ) My realtor and I called the VA regional office. I told them my situation and read and email from a XXXX XXXX. XXXX ( VA rep ) first informs us that the VA doesn't send email and that a V.A loan does not require a three year work foresee. Nicole does explain that the lender can require this information and the VA can not tell them not to. XXXX did tell me to ask would my initial offer letter will work if my contract was taken out but if that doesn't work what exactly does my employer needs to say with the corrrcy letterhead. I emailed the lender XXXX and let her know thst and I didn't get an response. XXXX did reply to my realtor ( XXXX ) when she informed that I will be trying again with my employer in the morning. 
Today I emailed corporate and CC the V.A. The V.Responsed.
Product: Mortgage

Citizens Loan takes my escrow money out of my account, but the check never gets to my insurance company. I pay my insurance for the 2nd time and fight with the company to be put back in my account. They took the money from my account on XX/XX/XXXX, and while they admit the check was never cashed, it is XX/XX/XXXX and it is not back in my account, and my multiple requests that they reimburse me directly, as I have paid my insurance is ignored. I have requested they delete the escrow account because they have never managed to pay on time and force me to do this every year, for taxes and insurance. I have not been successful. I would deeply appreciate your help. It doesn't seem legal that they can take my money, not provide interest on it and keep it for months and refuse to pay me.
Product: Credit card

My autopay was removed I found out about it when they blocked my store from receiving XXXX  payments so I called into the company on XX/XX/XXXX also in regards to several fees late fees they charged me a XXXX  lady advised me she put my autopay back on and removed late fees however she only removed one. Therefore I called again and the fee was not removed I refused to put my account on autpay at this point because I refused to pay for fees regarding a website error now I have racked up almost {$150.00} in fees alone even though I have paid on time I just refuse to pay for fees. Now they are claiming Im late anyways because the payment posted later. I used their website scheduler to schedule my payments days before the due date and if their site processes payments late that is not my problem, This is unethical and not right. I also want to say that this company engages in predatory lending on minorities and then does stuff like this. Its shameful and Im disputing these fees and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.
Product: Credit reporting or other personal consumer reports

All the inquiries with XXXX XXXX are incorrect. I do not have any active or attached accounts open with those inquiries. Dates starting from XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old Schwab account that was no longer being maintaind actively by me. Schwab falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your Schwab Bank customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was XXXX year ago and has since been closed ) and you owe Schwab as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by Schwab. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent.

I have been an excellent customer of Schwab since XXXX and this type of treatment during a time of identity theft is unwarranted.
Product: Checking or savings account

Wells Fargo Bank over charging for drafts and fees .. not getting full deposit credits
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, TransUnion, and XXXX and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!
Product: Checking or savings account

I received a letter from Bank of America dated XX/XX/XXXX telling me that the account was closed bc I didnt follow certain guidelines. I called to inquire about the remainder of funds that was in the account and they told me I would get it whenever they finish their investigation which has no time limit. I have sent them documentation to prove that the funds are legitimately my funds and still they have yet to release my funds which is over {$10000.00}.
Product: Debt collection

This company continues to call my daughter, who is now XXXX but was XXXX at the time of her XXXX. Despite giving them my phone number on numerous occasions and my listing as the responsible party for finances on the account, they have never contacted me, but continue to call my daughter. Today 's call was a " XXXX XXXX '' who threatened that police would come to our house and take her to jail if the debt was not paid in full over the phone to him. I contacted the company and despite being able to pull up the account without me giving them any information, they denied that they had ever had my contact information. My daughter is XXXX and now XXXX by the way she was spoken to and the threats made by this company over the phone.
Product: Debt collection

I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again