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

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX Formal Complaint Regarding XXXX Handling of Disputes for Late Payments Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX regarding their failure to properly investigate and resolve my disputes related to four late payments on my credit report. Despite my repeated efforts to have these inaccurate late payments removed, they remain on my report, adversely affecting my credit score and overall financial well-being. 

I initially began disputing these late payments in XX/XX/year>, continuing through XX/XX/year>, without any resolution. Frustrated by the lack of progress, I resumed my efforts in XXXX and XX/XX/year>, yet XXXX has continued to mishandle my disputes. Their failure to conduct proper investigations and resolve inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to : Conduct reasonable investigations of disputed items ( 15 U.S.C. 1681i ).

Correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681c ).

Refrain from re-inserting inaccurate information without certifying its accuracy and notifying the consumer ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

XXXX repeated negligence in addressing these disputes not only breaches these provisions but also significantly threatens my access to credit, employment, and housing opportunities. This ongoing issue has caused undue stress and has hindered my ability to maintain a clean credit report, which I am entitled to under the law. 

I respectfully request that the CFPB take immediate action to ensure XXXX complies with their obligations under the FCRA. I also ask for the removal of these erroneous late payments from my credit report, restoring my credit score to its rightful state. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to enforce compliance and protect consumers like me from such detrimental practices. 

Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX I made XXXX principal payments against my HELOC. One of the payments, which is the cause of this complaint, was made with a XXXX XXXX Bank issued cashiers ' check in the amount of {$12000.00} ; Sun Trust received, processed and sent a confirmation letter dated XXXX XXXX XXXX. Shortly thereafter I called to get a payoff balance and was informed that the {$12000.00} payment had been reversed but could not give me a reason why. For the next several weeks, I called every department and spoke to numerous representatives including XXXX XXXX a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others to no avail. I finally contacted XXXX XXXX XXXX XXXX XXXX XXXX office and spoke to XXXX XXXX. After several days, I called back and was instructed by XXXX XXXX to go back with a copy of the cashiers check to a specific teller whom she made aware of my plight and she would correctly process my payment. During the course of events leading up to the conclusion, I was assured that the interest would adjusted retroactive to the initial deposit date and be reflected on my new principal balance. Several day after the payment was processed, I called back in and confirmed that the payment was applied but was told by the telephone rep that Sun Trust does not adjust interest regardless of bank error. I informed her to read the notes where I was promised that Sun Trust would make the adjustment and she simply disregarded my request. Please request a transcript of all my phone conversations as well a copy of the notes and you will find multiple entries where the matter of adjusting the interest retroactive was addressed and committed to by Sun Trust Representatives. My hopes in filing this complaint is that the CFPB will call for a complete audit of my HELOC account with Sun Trust as I have made numerous principal payments and this incident now brings into question the possibilities of misappropriated payments. Thank you for your prompt attention to this matter and look forward to hearing from someone at the CFPB.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of 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 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 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 years. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payment on time, THEIR system shows I did, MY bank where the money came out of shows I did YET they marked it as late on my credit report.. This has happened TWICE now and I have reported it and they blow it off blaming my bank, even know ( and XXXX uploading this ) you can see THEIR own system says thats not true!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to all three credit bureaus over the course of four months. Their response is a Letter saying Im using a third party credit repair company. Never updating anything on my credit report.
Product: Credit reporting or other personal consumer reports

I am extremely upset to see an unauthorized inquiry on my credit report, which appeared out of nowhere. I check my report regularly, and this has never happened before. I even tried refreshing my browser, hoping it was a mistake, but it remained there. This is unacceptable, and I need my documents reviewed immediately so that I never have to deal with this kind of unnecessary frustration again.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I am requesting for your company to conduct a reasonable investigation to assure that these accounts are maintaining maximum possible accuracy. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

XXXX for XXXX on XXXX separate transactions. Someone was able to obtain my card information, then use my card at a ATM and withdraw my money without no restraints. NetSpend told me I would have a update on XXXX, but for some reason I honestly think they careless, and will not take action to investigate this criminal activity.
Product: Student loan

I have tried several times to have them to send me documents showing that i signed for a loan. The loan i did get I paid it off through XXXX XXXX years ago. Under 5,000 I paid over 12,000 back. Now EAS are saying that I owe them for a loan that I did not receive. Never attended a college again. My credit report showed it as being paid off. AES stated if was paid in full but now it has started all over again saying that i owe them. AES even put on my credit report so im wondering what is really going on. Really stressing my out about this ...
Product: Debt collection

I have been a victim of identity theft for many years and two collections were placed under my credit report from Capio Partners LLC, I have try many times to tell this company and their subscriber that, that account does not belong to me and I'm not getting no response from them. I have contacted all credit bureaus and dispute these collections. I truly need help with this company informing them that these account are from Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the fraudulent items on my credit report. Despite my initial request and the provision of supporting documentation, the inaccuracies have not been resolved. This letter serves as my second attempt to request the removal of these fraudulent items and to express my continued concern regarding their presence on my credit report. 

I can not overstate the importance of resolving these fraudulent items promptly. Their presence on my credit report continues to harm my financial well-being, making it difficult for me to access credit, loans, and other financial services on fair terms. 

I kindly request that your bureau conducts a thorough investigation and removes the fraudulent items listed above from my credit report as soon as possible. Additionally, I urge you to provide me with a written explanation outlining the steps taken to correct these inaccuracies, along with a timeline for their removal. I need clarity and assurance that this issue will be resolved without further delay. 

If these fraudulent items persist on my credit report after this second request for correction, I may have no choice but to pursue legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. These fraudulent items should be deleted by XXXX and Transunion Credit Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Letter received that a XXXX card application was received and denied by Genesis fs Card Services, XXXX XXXXXXXX XXXX. This is fraudulent as I never made any such application.
Product: Credit reporting or other personal consumer reports

I noticed there are two fraudulent accounts that I did not authorize on my credit report that needs to be removed as this is impacting me negatively! Please fully investigate into these accounts and multiple fraudulent hard inquiries as well that are stated in the attached FTC report. I also attached my ID & SSN to verify my identity thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft years and submitted a dispute about 3 fraudulent accounts with Transunion on XX/XX/XXXX. I submitted evidence from my XXXX 's office verifying they arrested an employee for stealing and selling my identity, an Identity Theft Affidavit, and multiple court documents showing these fraudulent accounts were removed, with prejudice. On XX/XX/XXXX I called Transunion to inquire about dispute because it was no longer visible to view on the Transunion website. The lady on the phone verified that one account was already deleted and the other 2 accounts had not responded yet, and they had until XX/XX/XXXX to respond within the 30 days. On XX/XX/XXXX I saw these 2 accounts were still on my report and called at XXXX to ask that they be deleted since the companies didn't respond within 30 days. I was told again by the representative I spoke with that there had been no response to the dispute, but the dispute was over and he couldn't delete the accounts. I asked to speak with a supervisor, XXXX XXXX, and asked him to delete the accounts due to no response. He then said they did respond, even though the previous 2 reps said there had been no response. He refused multiple times to tell me the dates the companies actually responded, and I reiterated that I spoke to them on XX/XX/XXXX and was specifically told there was no response to the disputes at that time. I asked to speak with his supervisor to get this fixed and he said someone would call me back within 3 days. I was contacted on XX/XX/XXXX at XXXX by a supervisor. During the conversation I again reiterated that these fraudulent accounts were a result of Identity Theft, and the FCRA ( 605b ) requires them to 'block ' accounts that they have been made aware of are a result of Identity Theft. She then told me that the accounts didn't meet their internal requirements for a 'block '. I asked her what the requirements were, and she refused to tell me, stating that was information they didn't give to consumers. I asked to speak with her supervisor as reporting these accounts was illegal, and was told I was get a call back, which as of XX/XX/XXXX, I still have not. On XX/XX/XXXX I submitted another dispute for the 2 remaining fraudulent accounts on Transunion 's website. I included an updated FTC Identity Theft report, along with their recommended checklist of information, as well as a letter of intent to sue in XXXX XXXX small claims court if these items aren't blocked/removed within the legally required 4 business days ( which would be XX/XX/XXXX ). I have screenshots of the dispute submitted and in progress, but as of XX/XX/XXXX their website shows no evidence of any current or previous disputes at all. This process has already taken 6 weeks and Transunion has now broken the law in regards to FCRA requirements by continuing to report these 2 fraudulent accounts and not removing or blocking these items.
Product: Debt collection

On XX/XX/XXXX, I called Medical Data Systems to settle account & spoke with XXXX XXXX ext. XXXX. 

I advised the Representative that I was unemployed & was diagnosed with XXXX twice but wanted to settle account. We specifically worked out a payment plan for the {$450.00} balance. 

The Rep advised there were other accounts that was not paid by my insurance. She advised that I call the insurance company to resolve the below accounts showing unpaid balances. She also stated would work with me due to my situation & hold the accounts & would NOT report them to the bureaus. 

A week later the accounts below were reported to all 3 credit bureaus. 

I called Rep back to advise that I received a notification that the settled account for {$450.00} was still showing unpaid & the below accounts had been reported & she stated that they would not be reported until we found out if the issuance was going to pay the claims. I advised her of the previous conversation & she became rude. I asked her to speak to the manager & she refused & said the would have the manager call me back & I never received a call back. As of today, I am having a financial hardship & I did my part & reached out the collection company to advise of my situation & I was treated unfairly. 

I disputed the account I paid off is which is showing {$450.00} balance. XXXX XXXX is reporting that the balance is accurate which is false. The account is paid off. 

I have applied for financial assistance with XXXX XXXX due to my financial situation, but I was treated unfairly by XXXX XXXX XXXX XXXX & I am requesting a resolution in their matter, otherwise I will consult an attorney. 


XXXX {$250.00} {$150.00} - {$400.00} paid XX/XX/XXXX for amount {$450.00} Below is the arrangement that I worked out with XXXX, the Rep. 


XXXX settlement offer {$1000.00} Total AactsXXXX {$1800.00} settlement offer {$1300.00} XXXX XX/XX/XXXX XXXX XXXX Dos XX/XX/XXXX call XXXX  XXXX  XXXX- XXXX DOS XX/XX/XXXX call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem is with TransUnion. They won't/ca n't UNFREEZE my credit report. 
I called TransUnion numerous times in the past two months, had two case numbers assigned. I also wrote a letter with all pertinent data asking to UNfreeze account until XX/XX/XXXX. But, the Reply I received XX/XX/XXXX was " non responsive '' to my problem. Got simply a credit report XXXX letter defining a credit freeze. 
They claim for months they have updated my account to unfreeze as I request but when I go to my account online I can't access my account. TransUnion keeps saying they have a technical issue XXXX to just wait. How long??? 
When I requested an XXXX credit card, XXXX responds that TransUnion shows a credit freeze and to contact TransUnion to resolve. I've tried over and over. 

I may be because my address is XXXX XXXX XXXX??? zip code XXXX? 
The other XXXX credit companies unfroze my account with no hitches.
Product: Credit reporting or other personal consumer reports

I had an electronic payment that didnt go through to BMW financial services and then the company reported me to the credit agencies without notifying me that my payment was late. I advised them that I was never notified that the payment didnt go through. They admitted that they never notified me and advised me that they would consider this but they then proceeded to refuse to help me resolve the issue. BMW financial services is a company that destroys their customers credit and then refuses to help them resolve the problem.
Product: Debt collection

XX/XX/2022 at XXXX asset recovery solutions LLC called XXXX and violated 15usc1601 by stating part of my social security number before verifying that they were speaking to me only, while I was on the car speakerphone with other people who shouldnt know any part of my social security number and as i mentioned this is a violation the man stated this is a part of their process and he is supposed to say it
Product: Vehicle loan or lease

My Toyota Financial Service account has been paid as agreed every month until the account balance was finally settled in XXXX 2021. The account is now closed, I have received the car title from the XXXX, etc. and everything is good on that end. 

However, I am showing a XXXX day late marker for the month of XX/XX/2021 despite the fact that the amount agreed upon ( as attached in the document uploaded ) was made prior to the XXXX day late deadline. 

I have inquired about this with Toyota ( over the phone ) and the only avenue they have provided is for me to dispute it with the credit bureaus. I have done this and somehow the verdict is still the same, no updates to my credit report. 

I would like for Toyota to properly review my account and determine if there was an error made on their part or some oversight on mine. As far as I can tell, this is pretty straightforward since the transaction history provided by Toyota shows me in the right.