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

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by Equifax. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : XXXX and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
Equifax shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In early XXXX, I experienced a frustrating issue with Chase Bank regarding their XXXX service. I frequently used XXXX for various transactions without any problems, but suddenly, Chase restricted my access to the service without any explanation. This unexpected closure was a significant inconvenience, as I relied on XXXX for personal and professional transfers. 

Around the same time, I mistakenly sent a payment through XXXX to the wrong recipient. The amount was substantialseveral XXXX dollars, potentially close to {$1000.00}. As soon as I realized the error, I contacted Chase and XXXX support to report the issue and request a reversal. However, I was informed that since XXXX transactions are instant and final, they could not retrieve the funds unless the recipient agreed to return them, which they did not. 

Despite multiple follow-ups and attempts to resolve the situation, I was left without the money and no clear explanation as to why my XXXX service had been deactivated. The lack of transparency and resolution has left me deeply dissatisfied, and I hope this matter can be reviewed to prevent similar issues for others in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint about the 3 Credit Bureaus XXXX, XXXX and Equifax are reporting incorrect addresses on my credit report. I have tried to fix this issue and it keeps coming back as VERIFIED. The address does NOT belong to me nor do I have any knowledge of this address. The address is XXXX XXXX XXXX XXXX Florida, XXXX Please DELETE this address because this is misleading and is going against my consumer rights. I have made an Identity report on several accounts and I believe this address is attached to fraud accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a valid PIN for security freezes/lifts for years with Experian ( and the other bureaus ). As recently as this week, I was able to lift the freeze using my PIN and personal information to complete a lift for financing purposes. The merchant couldn't run the report that day, so I attempted extend the lift a second day. I am now being requested by Experian to send in a dozen or so documents to create the lift which seems ridiculous given I have already submitted all the required information in the past, and executed the lift this week successfully. I can't get a human at Experian, only an IVR system that ultimately tells me I must send the documents to Experian. 

As more individuals freeze their credit files for their protection and the protection of their children, any inefficiency in the freeze/lift process will materially affect purchasing and have consequences on the overall economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my TransUnion report from XXXXXXXX XXXX XXXX dated XX/XX/XXXX. I did not apply for credit w/XXXX. I've sent dispute letters on XX/XX/XXXX, XXXX XXXX XXXX and XX/XX/XXXX. Each time I received a letter stating that the inquiry will remain because the company said it was accurate. I reached out to XXXX Bank Delaware ( XXXX ) XXXX XX/XX/XXXX @ XXXX XXXX. I spoke to a representative ( XXXX ) that searched their database and advised me that there is no record of my full social security number used to apply for credit. I was advised to call TransUnion and advise them that nothing was found. I called TransUnion ( XXXX ) XXXX @ XXXX XXXX. I spoke to a representative ( XXXX ) that said they can't remove the inquiry without a letter from XXXX XXXX  stating that I did not apply for any credit. I called XXXXXXXX XXXX XXXX again @ XXXX XXXX. The representative stated that they can't give me a letter regarding not finding any application containing my full social security number. I was again referred back to TransUnion. I'm getting referred back and forth without any resolution.
Product: Debt collection

I hope this message grabs your attention. I've been trying to address the issue of fraudulent accounts repeatedly, but unfortunately, I haven't received any action from your end. 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, and XXXX XXXX if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Product: Debt collection

I was recently made aware that XXXX XXXX was attempting to collect a debt on a previous account. At the time of closing my account with XXXX XXXX, I was made aware from the customer service representatives that the amount was incorrectly stated that was owed. That representative at the time said she will escalate the issue and have a supervisor look into the issue and a member from management would be in contact. I did receive a call shortly after from a XXXX named XXXX, who had explained that there unfortunately was an issue within their system and the issue will be correctly rectified to the amount owed of {$210.00}, at which time you can make your final payment when you return the equipment in XXXX of the local support centers. I waited XXXX business days as XXXX explained and then brought my equipment to be returned at the local support center in XXXX XXXX, RI. At that time I was told the amount was still incorrect, but they will accept all of the equipment now. The management of the support center has also explained the amount owed was incorrect and we will get this rectified as soon as possible. The amount was never correctly rectified and I have now received a correspondence from XXXX XXXX that a debt collection company, BERLIN WHEELER , INC. will be contacting me in the future for the amount owed ( which is incorrect ). This is XXXX of the many reasons I terminated my relationship with XXXX XXXX, as the customer service is unacceptable. I want to pay the correct amount of {$210.00} and have my account closed permanently and in good standing. I closed the account and terminated the service, the company did not. I am more than willing to pay the correct amount owed and do not feel this should have been handed over to a debt collection company given what has occurred. The communication within the internal teams of this organization are horrendous.
Product: Debt collection

This is a REOPEN - XXXX XXXX XXXXg has placed this account right back on my credit report as the entire {$1600.00} as still owed as of XX/XX/XXXX. I am requested again that XXXX XXXX update the records and also- delete their tradelines from my credit reports. The collection and reporting practices are illegal. 

My Complaint is against XXXX XXXX XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX Credit card Services, who then sold the debt to XXXX XXXX XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XX/XX/XXXX. XXXX XXXX XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX submitted this information - Our records show on XX/XX/XXXX, an electronic credit correction was sent to the credit bureau ( s ) requesting them to update the XX/XX/XXXX reporting of the XX/XX/XXXX payment to a status D-No Reporting. Please note it may take up to 90 days for third party credit companies to reflect the update. Our Credit Department has reviewed your credit reporting, confirmed the correction was completed and advised all other reporting is accurate. 

I filed a dispute directly with Transunion on XX/XX/XXXX and received an update on XX/XX/XXXX still stating incorrect information. 

I filed a second dispute with Transunion on XX/XX/XXXX and received an update on XX/XX/XXXX still stating incorrect information. 

I called Transunion on XX/XX/XXXX at XXXX XXXX talking to XXXX and he stated that the dispute would be fixed immediately. I pulled a new credit report on XX/XX/XXXX around XXXX pm and the report still stated incorrect information. I called Transunion back on XX/XX/XXXX at XXXX speaking to another customer service representative and she said I had to file another new dispute since the documents I submitted in XX/XX/XXXX were not accepted. She could not provide any reason why Transunion could not accept these documents and said I need to file another dispute. 

I called Transunion on XX/XX/XXXX at XXXX am and XXXX and both times I was hung up on by supervisors. XXXX transferred me to XXXX on the Special Handling team and on the second call XXXX transferred me to another person on the Special Handling Team who also hung up on me. 

I really just want this issue resolved and it is a simple data entry error.
Product: Vehicle loan or lease

I have a car loan through American credit acceptance for a XXXX XXXX XXXX  The vehicle was sold to me in XXXX for approximately {$10000.00}. The total payments I have made have exceeded that amount but because of the interest and fees caused by late payments the finance company still has my balance at close to {$6000.00}. On XXXX XXXX, XXXX I contacted ACA in regards to the condition of the vehicle. I advised at that time that the vehicle is barely in working condition and asked for my options. I was told about a settlement offer. The agent instructed me to take the vehicle to a mechanic and get an estimate for the needed repairs and to fax it in along with a settlement offer that I think the van is worth. The mechanic recommended getting rid of the vehicle as the repairs needed would be well into the 1,000s, would n't guarantee a fix, and would n't be worth it based on the XXXX XXXX value. Based on the mechanics estimate I offered {$750.00} which is the trade in value on that vehicle in excellent condition which this van is not. On XXXX XXXX, XXXX the company received my paperwork by fax. The agent I spoke with said the account is put on hold until the settlement is reached. My offer would be reviewed and either accepted and a letter will be sent stating that I have 30 days to pay or a counter offer will be sent and if I accept I have 30 days to pay. My account was not in repossession status at that time. While waiting on the decision from the company the condition of the van worsened making it unsafe to drive. On XXXX XXXX, XXXX the vehicle was repossessed from in front of my house. I contacted the finance company who admitted that the settlement process was not marked on their end as started and although they received my paperwork to start the process it was not started so the account was not put on hold so eventually it went into repossession status. The error was with someone in the company not completing the necessary steps to get the settlement started but when I spoke with them they put it on me for not calling back when I was told submit the paperwork and I would be contacted. Also they did not accept my offer but raised it to {$1000.00}. So when I said that was n't how the settlement was supposed to work, I was supposed to keep my van get the title and do with it what I pleased and now I have nothing and you still want me to agree to the settlement. I was told that 's the best they could do even though the van should n't have been repossessed. I want this van showed as being paid or settled and no repo on my credit because it should not have been repossessed when the account was on hold and I should n't have to pay the settlement offer if I 'm not getting my van back.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : US DEPT OF EDXXXX : XXXX -- -> : {$16000.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$370.00}, XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00}, 1st Franklin Financial {$11000.00} and XXXX XXXX Services {$4000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error in the reporting of a joint loan account that is affecting my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to have accurate, complete, and up-to-date information on their credit reports ( 15 U.S.C. 1681 ). In light of this, I kindly request your assistance in rectifying this matter. 

I took out a loan jointly with XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX, but it has come to my notice that this loan is reported only under my name in the credit bureaus records. This is not in line with our agreement with the lender, which clearly stipulates that this is a joint account. 

I kindly request that the CFPB facilitate the correction of this error by ensuring that : 1. The account.XXXX XXXX account number : XXXX date opened XX/XX/XXXXXXXX  is accurately reported as a joint account in adherence to the FCRA 's provisions concerning accurate reporting. 
2. XXXX XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  is added as a joint account holder and this information is reported to all the major credit bureaus, honoring our initial agreement with the lender. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the accurate representation of this account in line with the FCRA provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$89.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX XXXX {$980.00} XXXX   XXXX {$1400.00}
Product: Student loan

I CO SIGN TO SEND MY DAUGHTER TO XXXXXXXX XXXX OVER XXXX IN STUDENT LOANS AND 10 YEARS LATER MY WIFE HER MOTHER DIED AND IN THE SAME YEAR I HAD A MASSIVE XXXX THAT LEFT ME TOTAL XXXX. I HAD TO LEAVE WORK AND GO ON SOCIAL SECURITY XXXX MY DAUGHTER STOPPED MAKING HER STUDENT LOAN PAYMENTS TO NAVIENT. I TRIED TO KEEP UP WITH HELPING HER PAY HER LOANS BUT EACH PASSING YEAR IT GOT HARDER. SO I APPLIED FOR LOAN FORGIVENESS BUT NAVIENT SAID I AM NOT ELIGIBLE FOR STUDENT LOAN FORGIVNESS AS A CO SIGNER SINCE IM NOT THE PRIMARY LOAN SIGNER ONLY THE CO SIGNER. I ASK IF THEY COULD HELP ME BY CONSOILDATING HER LOANS INTO ONE WITH FIX INTEREST RATE AND AGAIN THEY SAID NO BECAUSE IM NOT THE PRIMARY. I TOLD THEM IF I BECOME UNABLE MAKE PAYMENTS AND SHE WANT PAY WHAT HAPPENS THEY SAID THEY WILL COME AFTER ME FOR THE TOTAL LOAN. I HAVE DELIGENTLY TRIED TO AS MY DAUGHTER TO HELP AND SHE HAS NO MONEY OR INTEREST IN HELPING ME MAKE HER LOANS PAYMENTS. IT MAKES NO SINCE THAT THEY MAKE NO EFFORT TO COLLECT FROM HER, BUT HAVE NO PROBLEM MONTHLY HARSING ME VIA TELEPHONE THREATING ME THAT MY STUDENT LOAN PAYMENTS ARE DUE KNOWING I AM XXXX  AND FAIL SHORT EVERY MONTH MAKING LATE PAYMENTS. 

PLEASE HELP XXXX CO SIGNER
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX {$5500.00} XXXX XXXX  XXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

Multiple letters have been sent to XXXX XXXX XXXX to provide proof of ownership but no documents have been presented where I signed an agreement with their company. I've asked them to remove the accounts from my credit report since I do not owe them anything but it has yet to be done. They are reporting that I owe {$750.00} for a XXXXXXXX XXXX  charge and {$980.00} for a XXXX XXXXXXXX XXXX charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent a dispute to Transunion to remove incorrect names, addresses, phone numbers, employers, and hard inquiries on XX/XX/XXXX via certified mail. Based on the tracking number Transunion received this dispute on XX/XX/XXXX. I received no response from Transunion, so I sent a follow-up request on XX/XX/XXXX. Based on the tracking number Transunion received this on XX/XX/XXXX. As of today, I still have not received a response from Transunion in regards to my dispute. According the Fair Credit Reporting Act, they had 30 calendar days to respond to the first dispute sent on XX/XX/XXXX and received on XX/XX/XXXX. At this point this needs to come off my credit report as they have not responded. I am now seeking legal counsel. Please advise asap. I want the corrections to be made on the credit report. The only name, phone number, and address that should be reported on my report are as follows. XXXX XXXX XXXX, ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX Fl XXXX. You will find five attachments. Two attachments are the actual disputes. One attachment is the sent dispute certified tracking receipts for XXXX & XXXX of XXXX. Two attachments are the confirmed delivered receipts for each dispute. Transunion has not responded. I would like this incorrect and inaccurate information removed from my credit report immediately. 

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

In accordance with the fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, 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 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 vears.

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.