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

I am writing to express my outrage over the inaccurate and completely unjustified late payment remarks that have been posted to my account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I demand the immediate correction and removal of these false claims, as they are damaging my financial reputation and are entirely without merit. 

To be clear, I have never missed a payment or been late on any of my obligations with your company. The remark made on my credit report/account that I was late on a payment for [ mention specific month/period ] is a blatant error and is an unacceptable misrepresentation of my payment history. I have always been diligent in making my payments on time, and any claim to the contrary is both false and damaging. 

This unjust remark is not only inaccurate but also harmful, as it impacts my credit score, lending potential, and overall financial standing. The fact that such an error could even occur on your part is inexcusable, and I will not tolerate this kind of negligence.

I hereby demand the following actions be taken immediately : Immediate removal of the late payment remarks from my account. Correction of my credit report to reflect accurate payment history, ensuring no
damage is done to my credit score.

Confirmation in writing that this error has been fully corrected and that no further harm will be caused by this mistake. 
A thorough review of your internal processes to ensure that such a grave error does not happen to other customers.
Product: Checking or savings account

PNC Bank will not allow me to link any app or 3rd party to my account no matter what
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim these accounts are not mine XXXX  XXXX XXXX XXXX XXXX XXXX XXXX not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have sent this CFPB complaint. This company has taken more than 45 days to correct the information. I have also sent my FTC identity theft report on here and certified mail green receipt, along with a method of verification. The company asked me to upload identification and report on the website but the website is not allowing me to do it, I am uploading everything again. I am aware that the CFPB gives the company all the information. My Identification has my address on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

Case : Truist Bank versus Customer During the month of XXXX, an unexpected issue arose involving my rent payment. This problem occurred around the holiday period. On XX/XX/XXXX, I took care of all my financial obligations as per my routine. However, this month, unlike the usual scenario, my landlord did not provide me with a payment confirmation. This led me to believe that the initial payment had not been successful, thus, I initiated another rent payment. Unfortunately, there was still no confirmation. It was after the XXXX of XXXX holiday that I noticed a double payment had been processed from my account. 

In response to this, I reached out to the representatives at Truist Bank. I had hoped that they would assist me in resolving this issue. However, when I contacted them the following day, the representative I spoke to claimed there was no record of my previous call. 

I pleaded with Truist Bank to either halt any future payments or to refund the overdraft fees while I sorted things out with my apartment management. Regrettably, they declined. The fallout from this misunderstanding left me with {$240.00} in overdraft charges. What's even more troubling is the fact that these charges appear to have been imposed multiple times on the same day, specifically XX/XX/2023. 

Despite my additional attempts ( two more, to be precise ) to reason with the bank and plead for at least a partial refund of the fees, they remained unyielding. I find the imposition of these overdraft fees to be predatory, especially since I had requested a halt to the payments.
Product: Debt collection

XX/XX/2021 I have sent DIVERSIFIED ADJUSTMENT a Affidavit, Cease and Desist, and enforcement action with invoice attached. The company has committed identity theft, they have taken my information and has furnished unverified/non-factual information on my consumer reports to attempt to collect a debt, this is a violation of both the fair debt collection practices act and fair credit reporting act. I the consumer has received injury due to the willful and intentional robbery of my identity, they have impeded my consumer report without direct permission from I the consumer, I have never had any type of contract with DIVERSIFIED ADJUSTMENT, understand DIVERSIFIED ADJUSTMENT has committed federal violations towards I the consumer. They should have never had any of my informationn without consent or contract, I Demanded that DIVERSIFIED ADJUSTMENT pay the invoice for each individual action committed and removal from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XX/XX/year> 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 : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX 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 : Payment Was Submitted On Time : My payment for XX/XX/year> was submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 XXXX
Product: Debt collection

This account was the result of identity theft. I have previously filed a XXXX report and a Police report. Both reports given to creditor. This account has also been disputed with all 3 credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Product: Debt collection

XXXX XXXX XXXX XXXX has continued to contact me for more than a year regarding a debt that is no longer owed. The debt that XXXX XXXX XXXX XXXX is attempting to collect has expired, as this account went into collections in XX/XX/2009. I have continuously explained to the collectors when they call that I do not owe this debt and to no longer contact me. This is not a debt that reports on my credit report. After requesting the debt collector to no longer contact me for over a year I am left with no other choice than to make a written compliant. I have sent a cease and desist letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$56000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$24.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My account was charged overdraft fees in the amount of approximately {$200.00} total. I should have not been charged fees because I had enough funds available for the transactions that were made. I emailed them 3 days ago when my account became negative approximately {$100.00} and was told that I had pending transactions that had not been taken out however there were no transactions that showed pending. All of my pending transactions always shows and those funds are always held. On yesterday morning my account was overdrawn approximately another {$100.00} for the exact same transactions. When I called I was told that there were pending transactions that showed in the background that they only could see which caused my account to overdraft. She also stated that I could not have known that because I couldnt see it so technically the transactions that I made would have been covered but since I couldnt see the other pending transactions it caused my account to overdraft. The rep refunded approximately {$100.00} due to the situation and because my account is not regularly overdrawn but did refund the remaining approximate fees of {$100.00}.
Product: Payday loan, title loan, or personal loan

After making my first payment in XXXX XXXX, I logged into my account on or around XXXX XXXX expecting to have a payment due. The banner across the top of the page told me that my next payment was n't due for another 25 days. I then logged off. I logged on to my account approx 1 month later, and again, across the top of the page in large bold print, it indicated that my next payment was n't due for another 28 days. I then logged off. A week or so later I got an extremely rude phone call from a rep at Avant telling me that my payment was three months past due and that I owed them $ XXXX in order to make it current. My original loan was for {$10000.00}. Now I had every intention on paying back the loan, but this really took me by surprise. I have 30+ accounts that I pay monthly and have a hard time keeping track of them all. When I logged in, I had no way of remembering what transpired a month ago. But the representative on the phone showed me how to navigate through the web page as I logged into my account while on the phone with him, and I said, " See, it shows right here, my next payment is due on XXXX XXXX. He then showed me how to find down at the bottom after scrolling down a ways in fine print where it had last month 's and the month prior 's payment showing delinquent. ( Dates may be off by a few days, but this is the best of my memory of what happened approx a year ago ) Knowing that this has more than likely already greatly damaged my credit, I decided that the way that there web page displayed my account info was extremely misleading and that I was going to fight it. My job is extremely demanding and as a XXXX XXXX at a XXXX XXXX, I know how strict the guidelines are for creditors and figured that there is no way they are abiding by the correct disclosure guidelines and want the whole account to be dropped. Today I got a call from a company who had claimed to have bought my debt from Avant. I have n't received a call in almost a year from Avant and have honestly forgotten about this whole thing until today. I really hope there is something you all can do to help me. Thank you for the time you 've taken to read this. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear TransUnion, I am writing to formally dispute several hard inquiries on my credit report that I did not authorize. My name is XXXX XXXX, and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX None of these inquiries were authorized by me, and I request that they be investigated and removed from my credit report. 
Under 15 U.S. Code 1681c-2, a consumer reporting agency must block reporting any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. I assert that these inquiries fall under this provision.

Additionally, under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), the inquiries listed above are in violation of the requirement to report information accurately. These inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1681, I have the right to privacy. Furthermore, under 1681 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. Therefore, I am requesting the original copy of the agreement and terms and conditions related to these inquiries.

Please be advised that failure to comply with these requests will result in forfeiture of your claims, and I will require you to delete all the listed items above. You are required to block these transactions from being reported to my consumer report within four ( 4 ) days from the date of receipt of this notice. 

Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
I look forward to your prompt response regarding this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

I notified equifax and all the credit card companies that are on my credit report via a business letter. It has been about 2 weeks and I have not gotten any letters in the mail or emails concerning my case.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent hard inquiries on my credit report. I have identified multiple inquiries that were made without my authorization and for which I never gave consent. This unauthorized activity is a direct violation of my rights, and I will not tolerate it.

The fraudulent hard inquiries in question are as follows : CERTIFIED BE Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> I have never applied for credit with these companies, nor have I authorized any third party to do so on my behalf. These unauthorized inquiries are a clear indication that I am a victim of identity theft or fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report free from any false, misleading, or unauthorized information. I demand that the following actions be taken IMMEDIATELY : Remove all fraudulent hard inquiries from my credit report without delay. 
Notify me in writing once this action has been completed. 

You are legally required to conduct a thorough investigation of these inquiries and resolve this dispute within 30 days. If this issue is not fully resolved within this timeframe, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ).

Report this matter to the Federal Trade Commission ( FTC ) as identity theft.

File a complaint with the State Attorney Generals office.

Seek legal action to hold responsible parties accountable and pursue damages for any harm caused to my credit.
Product: Credit reporting or other personal consumer reports

I wrote to the XXXX  bankruptcy court on XX/XX/year> seeking confirmation about the reported bankruptcy, and received a letter dated on XX/XX/year> stating they do NOT furnish any consumer data to LexisNexis or other credit entities. 

I also sent 3 dispute letters to LexisNexis citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankrupcy that is not mine also. I sent notrized affidavits also. 

I also sent PACER a letter documentation of contacting PACER directly inquiring about their records, but received no response. 

LexisNexis responded claiming the information came from PACER, despite PACER 's failure to validate or deny the report to you directly as the natural person creditor.

LexisNexis has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report in XXXX and noticed Account Balances and Collection accounts and balances reporting that were not mine ( from XXXX ). Filed disputes with Experian, XXXX  and XXXX, reached out to the collection agencies and no one has validated these amounts. I have received statements of balances, but nothing that bears my signature or details the amounts they are trying to collect. I have asked the reporting agency as well as the collection agencies to provide validation, descriptions of what makes the amounts up ( detailed ) as well as authorization, such as a signature -- nothing has been provided, nor have the accounts been removed. Do believe XXXX  listed as a closed status, but these should be removed. In addition for accounts that they have reported as opened in XXXX or prior, they have not reported the credit history, only an ending balance that again has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

A company by the name of " Jefferson Capital '' is currently reporting on my credit report. I have never agreed to any business with this company and have never entered a contract with this company. I do not acknowledge the validity of the alleged debt. I am a single father of three and this is affecting the quality of life me and my daughters.