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

My husbands credit score decreased on XX/XX/XXXX & XXXX, 15points each without any explanation We contacted both Experian several times and FICO and they gave us vague answers as to why, which were completely irrelevant. 

We are about to close on a house and we are stuck because our lives are hinging on this and we can not get answers We feel we as consumers who have our hands tied should at least know WHY a score has changed or dont change it! We are being ripped off by credit bureaus and their reporting Report but explain or dont report!! 

We dont know if its an error or we are doing something wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent totally inaccurate information to someone I applied for credit through ( XXXX XXXX ). 
This is what they said : Lack of recent installment loan information. No recent revolving balances. No recent bank/national revolving balances. Length of time accounts have been established. 
I had a car loan in the last three years now paid off, a personal loan two and a half years ago now paid off, credit cards balances, a credit line I have had for well over ten years, and credit card [ with a XXXX XXXX limit ) for over eight years, and a history of decades of consistent on time payments. 
The last time I checked my credit line I was XXXX points shy of hitting the ceiling. 
If I am given the opportunity, I will attach a copy of the credit report I just downloaded from Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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: Money transfer, virtual currency, or money service

Here 's a more formal, legalese version of the complaint : " I am hereby lodging a formal complaint against Cash App for the improper blocking of my account and the withholding of my XXXX funds. Despite my full compliance with their documentary requests, including providing all requested identification and verification documents, Cash App has failed to provide any mechanism through which I can access my funds. It has been nearly a week since the account was blocked, and I remain unable to retrieve my legally owned currency. I respectfully request immediate intervention to ensure access to my assets and a resolution to this unjust withholding of my funds. ''
Product: Credit reporting

I filed completed and paid my bankruptcy a couple of years ago. I went to get a new car and when they pulled my credit report it said that I was 120+ delinquent on my XXXX XXXX XXXX for {$3200.00}. I had to have my lien released to me for insurance purposes and so I had to call the XXXX customer service. They did not say anything about a past due amount and release the lien to me. They would not have released the lien to me if I owed them money. I know that I do not owe because the final report of my bankruptcy stated that everything was paid. My husband and I are trying to refinance our home and we ca n't do that because if this error on my report. I have attached a copy of Paid Chapter XXXX report.
Product: Credit reporting or other personal consumer reports

UN-AUTHORIZED ACCOUNTS/TRADELINES 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 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: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX several times disputing this and requesting a removal of the rolling 120 day from my credit reports. They refuse to remove this from my credit report. It is still appearing on my XXXX Credit Report. 

I lost my job during covid, the company I worked for closed. I applied for a forbearance of my HELOC which I received. During that time each month the non-payments were submitted to the credit bureau agencies. XXXX indicated that I had a late payment prior to that. This account was brought current in XXXX XXXX 2022, all payments are up to date. Therefore, I requested that the rolling 120 late be removed, they have refused. 

This is a problem as Im in the process of applying for a reverse mortgage which would pay off the HELOC. This issue is an obstacle to my ability of being accepted. 

I would appreciate any assistance in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Improper Handling of Credit Information Dear CFPB Members, I am writing to formally file a complaint against Equifax for the re-insertion of outdated and incorrect personal information in my credit report, despite my prior request for its removal. This situation violates my rights under both federal and state consumer protection laws. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. Under this law, Equifax is required to investigate disputes within 30 days and correct or delete any inaccurate or unverifiable information. The re-insertion of incorrect information without proper notification is a direct violation of the FCRA, specifically section 1681i ( a ) ( 5 ) ( B ). 

*MY NAME IS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NO HAVE Employment History In the state of XXXX, the XXXX  Consumer Credit Reporting Agencies Act  ( CCCRAA  ), XXXX XXXX XXXX XXXXXXXX et seq., also protects my rights. This law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy and confidentiality of information and prohibits the re-insertion of outdated information. Specifically, section XXXX requires credit agencies to investigate and correct errors within 30 days of receiving a dispute. 

Therefore, I request that Equifax : Immediately remove the incorrect and outdated information from my credit report. 
Provide an updated copy of my credit report with the corrections made. 
Ensure that such information is not re-inserted without proper verification. 
If Equifax fails to comply with these requests, I will proceed to take the following actions : File a formal complaint with the Federal Trade Commission ( FTC ). 
I appreciate your prompt attention to this matter and look forward to a resolution as outlined above. I am attaching copies of my identification, the relevant credit report, and any supporting documentation for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been reporting information that is damaging to to my reputation.

TransUnion has continued to violate my FCRA U.S.C 1681 rights.

In XX/XX/XXXX and XX/XX/XXXX they have ignored my request for an investigation on false information on my credit report. They have failed to verify any details of XXXX XXXX and XXXX XXXX accounts they have listed. They have deliberately flasified documents and made un-verified changes to these accounts and reported these damaging facts to other creditors I have enclosed copies of two Investigation reports done by TransUnion. It shows where there records are not complete and have many missing pieces and information.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX, CREDIT COLLECTION SERV, XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - information relating to the purchase of a bad debt is not proprietary or burdensome.

Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting or other personal consumer reports

This to file a formal complaint against TransUnion regarding their failure to correct inaccurate information on my consumer file. Despite multiple attempts to rectify these inaccuracies, TransUnion has not resolved the issue, which is causing significant harm to my credit profile and financial wellbeing. 
Account Information : XXXX ( # XXXX ), XXXX XXXX # XXXX ), XXXX ( # XXXX ), XXXXXXXX XXXX ( # XXXX ) Legal Basis for Complaint : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain accurate information in consumer reports. Additionally, 15 U.S.C. 1681i outlines the procedures for disputing and correcting inaccuracies, including the obligation for consumer reporting agencies to investigate disputes and ensure the accuracy of the information reported.

Furthermore, 15 U.S.C. 1681s-2 ( b ) mandates that furnishers of information must provide accurate information and correct or update any inaccuracies when notified of a dispute. Despite adhering to these provisions, TransUnion has failed to act in accordance with these legal requirements by not resolving the disputes or correcting the inaccuracies in my file.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



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

In XX/XX/2017, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/2017. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I'm attaching an email I received from Paypal in regards to holding a payment that I am rightfully owed. I posted items on XXXX, a person purchased my item and immediately paid via paypal.. 

Paypal believes it's in the right to hold funds for 21-30 days ... I challenge this right and demand my money, as I have released the purchased item without any security of payment deposited into my acct.. 

I also want to confirm, the direct deposit checking acct the payment should be depositied as : Routing Number ( last 4 ) XXXX Acct Number ( last 4 ) : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed my credit card with XXXX XXXX and have arranged agreement for monthly installments paying monthly {$21.00} to pay off my balance. Couple of weeks ago I have checked my credit history with XXXX where I noticed that for the past seven months they have been accepting my {$21.00} and simultaneously reporting me to the bureaus for Failed to Pay that appears each month in the report, ( which makes me lose two points of my total score each month ). I have made a dispute and sent a letter to the Cardmember Service in XXXX XXXX. MO and have received a letter yesterday with a vague and general answer saying : " We have conducted an investigation of the dispute and reviewed all the relevant information you provided. Based on our investigation, we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ... '' I called the number provided by them spoke with an representative who said that they right to be reporting me unless I pay them full amount today. When I said I have an agreement for installment payments with them and they have no right of reporting Failed to Pay if I do pay monthly, he said I wo n't be telling him what is right and what is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to order a Point of Sale device on on company 's website. At Check Out process they have an option get same device with Installment option which is about {$80.00} worth. In order to get that installment at same page it clearly says Fill in a few details below to confirm your identity. Instantly find out if your business can pay in installments. Getting your decision won't affect your credit score. And at the before Submit and Continue you have I have reviewed and agree to the Privacy Policy, E-Sign Consent, and Credit Authorization. So, believing their credit check will not affect my credit which is soft inquiry and i have moved on. Next morning when i woke up i have seen on my Experian Credit report a new inquiry as XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have contacted with the company, they have stated to check eligibility is Soft Inquiry, if i am moving forward its an hard inquiry. I have not given them my consent to pull my full credit report. So the information they are giving is misleading. Applying and getting decision Soft Inquiry but when you get installment its hard inquiry. They have refused to remove hard inquiry from my report, i have contacted with Experian, they informed Consumer Financial Protection Bureau is in charge for these type of disputes.
Product: Credit card or prepaid card

I made a purchase with XXXX  XXXX using Shop through Chase on XX/XX/19 on my Freedom Card for {$150.00}. The Chase Ultimate Rewards site stated that I would receive an additional 6 points per dollar spent shopping through that site. I clicked through the site and was transferred to the XXXX  XXXX   site, where I proceeded with the purchase. I followed all stated rules on the Ultimate Rewards site - continued in the same browser window, didn't use any outside coupon/promo codes, etc. When I hadn't seen the activity show up in my Ultimate Rewards account, I reached out to Chase to inquire about it and they told me that I was not eligible for the bonus points because I didn't shop through their portal, when I did and followed all posted rules completely. This is unfair and deceptive that I wasn't given the points promised if I followed the rules and shopped through their portal.
Product: Debt collection

U.S. Code 1692e. False or misleading representations Under Fair Debt Collection Practice Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. CMRE FINANCIAL SERVICES needs to make every reasonable effort to meet their consumers ' needs, ensure its practices adhere to all federal, state, and local laws, and act with high ethical standards and professionalism. As such, CMRE FINANCIAL SERVICES , INC LOCATED AT XXXX XXXX XXXX, XXXX OH XXXX. I XXXX XXXX XXXX logged into my credit report and noticed a deceptive and suspicious alleged account on the credit report. This alleged account needs a thorough investigation 15 U.S. Code 1692g - Validation of debts Fair Debt Collection Practice Act All provisions. The Fair Credit Reporting Act, All Provisions including 15 U.S.C. 1681, Privacy Act, XXXX XXXX XXXX Dispute any and all alleged debt claims owed to XXXX  XXXX XXXX XXXX. No debt collector shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, but are not limited to, the following : Making false accusations to another person, including any credit reporting agencies, Threatening to sell or assign, or to refer to another for collection, the alleged debt of the consumer with an attending representation that the result of such sale, assignment or reference would be that the consumer would lose any defense to the debt or would be subjected to harsh, vindictive, or abusive collection attempts, Representing that nonpayment of an alleged debt may result in the XXXX, garnishment, attachment, or sale of any property or wages unless such action is in fact contemplated by the debt collector and permitted by law are demanding proof in writing on this alleged account to ensure they are complying with the law. According to F.D.C.P.A debt buyers are required to notify you when they report negative information to a CRA, please under 1692g provide a purchase agreement so a true accounting bill can be produced as your practice violates the FCRA. Please understand I am not asking for proof of just name or address because that is not what is in question and in keeping in compliance I need full discourses and wet autograph providing permissible purpose of consent. XXXX XXXX XXXX is demanding delete/remove from all credit reporting agencies to avoid running this risk of not being creditworthy Respectfully, XXXX XXXX XXXX XXXX
Product: Debt collection

I was a few days late on a payment and the branch manager contacted my mother to discuss my account. I am XXXX years old and my mother does n't need to be involved in this. My mom was told they could n't reach me and " my account very delinquent ''. I work nights and sleep during the day when they call. My account was not very delinquent but only by a few days.
Product: Money transfer, virtual currency, or money service

While trying to buy a house, my wife and I fell victim to an email scam / wire fraud. My attorney 's email account was hacked, and I was sent phony wire instructions. I followed those instructions and sent over {$260000.00} from my account at XXXX XXXX XXXXXXXX to a fraudster account at Wells Fargo. Wells Fargo contacted me the next day saying that there were some red flags indicating fraud, such as the name on the account ( a personal account ) and the name of the intended wire recipient ( XXXX XXXX of NJ ), did not match. I called the XXXX XXXX   and confirmed they did not receive payment, then went to XXXX  XXXX XXXX to recall the transaction. We filed a report with the police and they were able to tell us approximately {$2000.00} was stolen, the rest was frozen in the account at Wells Fargo. After and a lot of phone calls, Wells Fargo completed their investigation. In order to transfer the remaining funds, Wells Fargo required a Letter of Indemnity, which would basically cover them if they were mistaken to remove funds from the fraudster account. XXXX XXXX XXXXXXXX refused to provide the Letter of Indemnity. They refused to provide it because they feel that they are  not at fault and will not accept the risk. We are unable to recover our money from Wells Fargo
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.