23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX 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 : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

Inaccurate information on my credit report I am writing to formally request verification and investigation of certain items on my credit report pursuant to my rights under Section XXXX of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). I recently reviewed my credit report and noticed information that I believe may be inaccurate or unverifiable.
Product: Payday loan, title loan, or personal loan

I had informed Cottonwood Financial/The Cash Store that I would be unable to make payments on my loan because I was out of work due to the pandemic. Theyre only solution was that I could put off 1 future payment, but I would be charged for two payments on the paydate. I thought they would honor a doctors note from when I first got sick. The store employess said they faxed it over but Cottonwood Financial did not respond. They continued to charge my card on various random dates, even though I made them aware I got paid on the same two dates ( XXXX and XXXX ) of each month. Its almost like they did it on purpose just so I could default on the loan. At one point I even became infected due to the virus and had to self quarantine. I provided them with a doctors note like they asked. They did not honor the doctors note and continued to charge my card which kept putting my bank account in the negative, which the bank would subsequently charge me a large fee for. It didnt make any difference what days I told them I got paid on. They intentionally do this so you can default on the loan. Since then, a small payday loan of {$600.00} is now valued at {$1400.00} that I would have to pay back because Cottonwood Financial repeatedly tried to access my account even when I made it clear there were no funds and the amount would bounce back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills were denied payment. 
XXXX XXXX XXXX XXXX SCA Collections ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have security alert on my Experian since XX/XX/XXXX. 

XXXX pulled hard inquiry on my credit without authorization or approval. on XX/XX/XXXX XX/XX/XXXX I first call Experian IDworks asking about credit restoration service. My information was one of 100 million records experian leaked on line and this service was provided to me as compensation. They said I need to contact Exprian.com to get help on hard inquiry. 

XX/XX/XXXX Experian.com said they can not handle hard inquiry even if it is inaccurate. they told me I should place fraud alert. I told them I already have fraud alert. they told me to call XXXX XXXX XX/XX/XXXX XXXX XXXX  said they do not have record of me applying for credit, and since they don't have record they can not dispute it. 

No one want to take the action and Experian is not being responsible for inaccurate information on their own reporting. 

What is the point of fraud alert, and " premium '' paid membership if they don't do anything?

I want this incorrect information removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus, and they said that they verified the information from my credit report during their investigation. But how is that possible when the last date active was incorrect, the account type is also inaccurate. This is definitely grounds for removal, which they have violated my rights under 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I also forgot to mention these 3 oth inquiries in my last report because I did not know how to my reference for identity theft to the FTC is XXXX, I home this can be resolved
Product: Credit card

Take a look at the documents provided. I want the bureau to commence an inquiry into these accounts, for which I have a perfect record of timely payments, yet they are being inaccurately reported as late.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XX/XX/XXXXfor providing inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 
I recently reviewed my credit report and found that XXXX XXXX has reported erroneous information regarding my account. The details are as follows : Creditor : XX/XX/XXXXAccount Number : XXXX Inaccuracy : Number of months terms, dates of last activity, conflicting comments, number of months review, term source type XXXX have made several attempts to resolve this matter directly with XX/XX/XXXXbut my efforts have been unsuccessful. Despite providing them with evidence proving the inaccuracy, the incorrect information remains on my credit report. This inaccurate reporting has negatively impacted my credit score and has caused me significant distress. 
Under the Fair Credit Reporting Act, XXXX XXXX is obligated to report accurate information. By providing false information, they are in violation of federal law, which mandates that all information furnished to credit reporting agencies be accurate and complete. 
I request that the CFPB intervene in this matter and ensure that XXXX XXXX immediately corrects the inaccurate information and updates all three major credit reporting agenciesXX/XX/XXXXXXXX, and TransUnion. I also request that XXXX XXXX provide me with written confirmation once the corrections have been made. 
Thank you for your attention to this matter. I trust that the CFPB will take prompt action to resolve this issue and protect my consumer rights.
Product: Student loan

I read that the CFPB is suing XXXX and Navient. I believe that XXXX steered me toward forbearances instead of offering me lower payment plans. This occurred at least three times. I believe they tried to cover this up when the company split, and I was placed with Navient. If I look at my transaction history, all of my forbearances are listed as " adjustments '' and not forbearances. However, the cost of a forbearance was {$150.00} and lasted for 2-3 months. So, it is easy to see that each " adjustment '' was a forbearance. I believe the XXXX dollars of accrued capitalized interest on my principle could have been avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy several years ago - only on credit cards. I reaffirmed my home mortgage, but XXXX has never reported to the credit agencies since then that I make my mortgage payments each month for years now - which would help improve my credit score. Please help me. I need to increase my credit score. XXXX has filed bankruptcy themselves and now my mortgage is going to LoanCare LLC - XXXX   XXXX XXXX, XXXX XXXX XXXX, CA XXXX, phone numbers - customer service XXXX and collections XXXX. Every time I had my bankruptcy attorney send a reaffirmation of my home mortgage - they would just say it wasnt the right paper. So now my bankruptcy attorney says he wont help anymore. Please help me - Im a single mom to a XXXX year old boy who is on the XXXX for XXXX, a XXXX XXXX, and I divorced my sons father ( my ex-husband ) because he was so abusive to myself and my son. I still cant seem to financially recover from that horrible time in my life even though I filed for divorce in 2011.
Product: Mortgage

I had a co-op mortgage in XXXX from XXXX XXXX in XX/XX/XXXX that was assigned to M & T Bank via XXXX XXXX via FDIC. I sold the property and discharged the mortgage in XXXX. The mortgage still appears on my UCC forms in XXXX, even though common sense tells you that I'd have refinanced a high rate or that a 30-year obligation would have come due. Nobody bothered to file the forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, XXXX, & Experian listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
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 right 's 15 USC 1681 Section 602 States I Have the right to Privacy 15 USC1681 Section 604 A Section 2 : It also States a Consumer Reporting Agency can not furnish a A account without my Written Instruction 's 15 USC 1666B : A Creditor may not treat a Payment on a credit card account under a open end Consumer Credit Plan as Late for any Purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items 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 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I deposited a check at Capital One XXXX Bank. The bank did not state the check was invalid. The bank stated the funds will be available on XX/XX/2022. The funds were available on the XXXX. I began to withdraw using my debit card. And, on XX/XX/2022. The bank reversed the funds of the check deposit. Stating the check was invalid. Taking all of my account money plus an overdraft. The total {$2000.00}. I'm currently a part-time employee and on XXXX. The bank aided the swindle. I found out I was the victim of an employment scam. Transferring funds to a vendor for home office equipment and software. Is the way the new employment was described before paid training. I ended up being a money mule for the XXXX XXXX. Utilizing funds from an invalid check sent to my home via XXXX. I called Capital One on the XXXX to make sure the funds were available. They said yes. But, now after the funds were used. They claim the funds used via debit card are my responsibility. Capital One claimed all my XXXX. And left me with an overdraft to pay. I called on the XXXX and explained the fraud. And there error according to regulation e. They did not even give me a claim number. And stated on the phone that I was all enthralled in the scam. It was not for XXXX weeks later I called and received a nicer representative that I was emailed a claim number. By this time since there is an overdraft I was informed there was an investigation. So I had to ask for the case number. And I sent all the information I had about the scam. To this day I have not heard back from the investigator. And the same employment ad has been accessible on Facebook. Capital One still takes no responsibility for their banking error.
Product: Debt collection

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for my financial goals.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$100.00} from Creditor : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Called and explained that I was not paying a 2 year cancellation early fee because it was not in my original verbal contract and that they needed to send the postage and boxes for the return of the equipment that they wanted back for the services that didn't work properly from day one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX  XXXX  was disputed with Transunion and creditor and closed on XX/XX/20 but is still showing on my report when is was supposed to be deleted, this account has also been deleted from my report before but keeps appearing back on my credit report which is a violation of the law
Product: Checking or savings account

I have been banking with BofA for more than a year, and never had problems, recently in XX/XX/2022 After selling my car I deposited Cashiers Check for XXXX XXXX through teller in XXXX, and immediately got my account blocked, went to another branch after that on XX/XX/2022 and they told me that my account is going to be closed soon. So the Check that I deposited was on hold and now my account is fully closed. Bankers told me that i'll receive my funds in 7-10 days to the address on file with them when my account will be fully closed. But my school is started and I need money to buy my books and pay my rent and i have payments due. Customer support told me that Check was cleared but account is closed and funds have been transferred to another department which will investigate my funds, called the guy who gave me this Cashiers check and the bank that issued it to me, they said theres nothing wrong or fraudulent with that Check, and Bank of America has my money now. Im trying to fix this problem now, telling them to expedite this process of investigation, but still no result.
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX and there should be two welcome bonuses, totalling {$700.00}. I have not yet received any of that. I believe that I have met the requirement for that bonus. 

I contacted the banker who opened my account, XXXX XXXX, three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). XXXX promised to investigate and get back to me by the end of the day during the second contact, which never happened. XXXX has not responded to my follow up email on XX/XX/XXXX and it has been 20 days since the initial inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their handling of a dispute I filed concerning inaccuracies on my credit report. Despite providing comprehensive evidence to support my claim, XXXX has failed to conduct a proper investigation and rectify the errors in my credit file.I 'm not satisfied with the results of my investigation. I would like to know exactly how you went about investigating the accounts that I questioned. Please furnish the names of the individuals who stated that the information was verified along with any supporting documentation received to justify the accounts still reporting on my credit report. Again here are the accounts in question below. 

XXXX XXXX : Account number : XXXX, I have never had any business relationship with this company. Therefore, it's impossible for this account to belong to me. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX | XX/XX/2023 : Account number : XXXX I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

Please send me my full credit report along with what I have requested. If you are unable to complete what is requested. I am asking you to delete these accounts from my credit report and abide by my request.
Product: Mortgage

Ever since BSI Financial took over my loan it has been nothing but problems. Here is a list of the issues : 1. Malfunctioning call in payment process that did not apply payments causing hours of wait time to resolve. This happened multiple times. I was forced into signing up for their automated payment process so I could avoid the phone in system to ensure my payment would be received and eliminate the customer service nightmare. 

2. Online account access is also malfunctioning, not allowing me access to my documents. It has been this way for weeks, no resolution.

3. No phone based customer service. They have a number online, but there are no options to actually talk with customer service. It's only automated prompts. This forces one to use email to communicate with the company. 

Having been with several other mortgage provides in the past, this is by far the worst experience I have ever had. if I had my way I would request my loan be transferred back to my old loan provider who actual had functioning processes and customer service. 

Thank you for your time and consideration. 

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

On several dates in 2024, I submitted a formal dispute to Experian, requesting that they investigate and correct the inaccurate information. which are listed : XXXX XXXX XXXX  However, after receiving their response I have found that the credit bureau did not properly investigate the issue or address the inaccuracies I raised. Specifically : " The credit bureau failed to contact the creditor to verify the accuracy of the reported late payment, '' or " The documentation I provided was not reviewed, and the incorrect entry remains on my credit report. '' " As a result of this inaccurate reporting, my credit score has been adversely affected, and I have been denied credit applications. '' The credit bureaus failure to conduct a proper investigation and correct the erroneous information is a direct violation of the FCRA, which mandates that credit reporting agencies ensure the accuracy and fairness of the information they report.