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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by 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 Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Misapplication of Funds : There was an error in how my payment was processed, resulting in an incorrect report of a late payment. The payment was sent and processed on time but was not correctly applied to my account by XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, 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
Product: Credit reporting or other personal consumer reports

It has to my attention that XXXX XXXX is updating and verifying inaccurate account information that was disputed through the consumer reporting agencies. Specifically, EXPERIAN. XXXX XXXX has modified the account numerous times but did not correct the errors I have been disputing. 

The account with XXXX XXXX is reporting from the CRAs inaccurately. These errors include misreported late payments that are formatted inaccurately in the payment history section of the account in my consumer report. 

I request an investigation into this matter per 15 USC 1681s-2 ( 8 ). There are late payments in this account that are the same and triplicated currently reported as 60-days late item notations subsequently. Another late payment reports as a 120 days late item notation and digresses to a 90 days late item notation. These are just some of the inaccuracies. There is also a payment that I made on this account that is not being reported. 

This account is both inaccurate and incomplete and the Fair Credit Reporting Act prohibits incomplete, inaccurate, and unverifiable information from being reported to consumer reporting agencies. 

Pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to XXXX XXXX XXXX   Experian, XXXX  and XXXX Disputing a debt in the amount of XXXX. All letters were sent Certified return receipt. As of this writing, I have not received one letter from XXXX. ( 5 ) months. I called multiple times and was transferred to ( 3 ) Collection agencies that could not find my account. I strongly maintain that I do not owe XXXX XXXX XXXX XXXX dollars. 

Letter 1 XX/XX/2018 Letter 2 XX/XX/2018 Letter 3 XX/XX/2018 Letter 4 XX/XX/2018 Letter 5XX/XX/2018
Product: Checking or savings account

Recieved a text from ( XXXX ) XXXX FRM : PNC Bank Debit Frozen SUBJ : Contact XXXX MSG : : XXXX I am assuming this is a scam since I don't have a PNC account XXXX I have not " contacted '' the XXXX number
Product: Debt collection

I would like these inquires to be deleted off my report because I did not authorize these companies to run my credit these accounts is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt XXXX  XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Towards the end of XX/XX/XXXX, I opened a business account with PayPal to facilitate my online store which sells digital goods and services. I provided all of the required business information including the business XXXX and state licensing information. The account was approved and opened within XXXX hours. Paypal immediately started collecting payments on XX/XX/XXXX ( the day the webstore launched ) up until XX/XX/XXXX when my account was " frozen '' for additional review. I was required to submit a copy of my photo ID and a short description regarding the details of my business, which I provided the same day. The system stated there was a 5 day turnaround for review. Approximately 10 business days later, after seeing no change to the account I phoned PayPal for an update. I was given the runaround and eventually told the review was still pending but that I would have a response no later than XX/XX/XXXX ( which was well beyond the 5 day initial review time ). I waited and upon noticing no activity as of XX/XX/XXXX I phoned PayPal again. At first I was told they were waiting on me to submit the required items I had already sent the day the account was " frozen '' ( XX/XX/XXXX ) so I asked for a supervisor to check again. After a 30 minute hold the supervisor came back and stated " my account was deemed too risky and set to " permanently limited '' status ''. I asked why and they stated they do not wish to part-take in digitial goods and services of my sort. I told them that was ironic because XXXX sells the exact same digitial products and services as a multi-million dollar company and have no issues with their PayPal services. The rep had no response. At this point all I wanted was PayPal to refund all of my customers money so I could have them repurchase their items via a different payment processor. They stated they were unable to do so for 180 days. I asked why that was the case and the response was because if any of the customers open a dispute on any of the collected charges, they would have the collected funds to settle said disputes. I pointed out the illogical stance of that policy : if the customers are all refunded, there is no way to create a dispute. The supervisor agreed but defaulted to a canned response of " I understand, but the system wont let me make any changes for 180 days ''. Long story short : PayPal eagerly accepted approximately {$500.00} in payments prior to performing their " due diligence '' on my business until after the fact and are now unwilling to release or even refund the original customers payments. Meanwhile the customers have been enjoying the digital goods and services they technically haven't paid for and my business is out the {$500.00}, while it is held in this nonsensical limbo.
Product: Checking or savings account

On XX/XX/XXXX, I filed a dispute with Chime bank. I had paid XXXX for a teen driving services and the services was never provided through XXXX XXXX XXXX in XXXX, Oh. Due to the fact they never had any sessions available. When I called and asked about it, I was told that I would just have to keep trying to find open sessions. I could not. I also emailed the company to receive a refund and never heard back. I was told by Chime bank that my dispute would be settled no later than XX/XX/2021.. Once that date came they stopped answering my messages concerning the status of my dispute. I have to call and I am told that it is still being investigated. As of today XX/XX/2021 I have no update on the status of my dispute They refuse to let me speak to the investigative team to see what is taking so long and wont give me any information about the status of my dispute.
Product: Money transfer, virtual currency, or money service

I was trying to send {$350.00} with Wise on XX/XX/year>. I set up transaction and transferred {$350.00} from my bank account to Wise. Same day wise confirmed they received my money. 

Transaction would not go through and get stuck marked as 'sending ' on their website. 

On XX/XX/XXXX I contacted wise support with an inquiry about my transaction. Support team pointed to an older message from them, the request to 'active ' the account by sending more money with them ; transferring money to their website ; or getting them more details about the account. 
I already sent more money with them on XX/XX/XXXX, but smaller. However, that transaction would get stuck on 'sending ' too.
Product: Mortgage

XXXX initiated a conference call between my husband and I, and Nationstar. I explained that I had not realized that our mortgage was 90+ days past due. Nationstar stated that they had called several times. My response was that the caller only said it was an attempt to collect a debt. The caller ID did not identify the caller. The voice messages did not mention XXXX, Nationstar, nor did it say this was a mortgage loan. I brought the account current immediately after I received a letter after 90 days. No notification that they were sending messages to my inbox inside the XXXX app. I logged in once to view my statements and didn't see the messages. Nationstar defended their tactics and XXXX stood with Nationstar even though we had not had problems prior to nor after this incident. The late fees are {$270.00} and I do not feel we should be forced to pay them. We have had auto loans with XXXX and had great payment records. Money is tight because we have had some medical costs that have been very difficult.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX 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

Was denied a credit card because Experian has my credit score as " XXXX  '' - XXXX/XXXX has my score at XXXX - excellent. Additionally, Experian has listed as reasons for denial : 1 ) Lack of sufficient credit history on background - NOT TRUE - have had credit accounts since the late XXXX 2 )  Balances relative to credit limits reported on revolving accounts - NOT TRUE - I have a XXXX balance on one credit card and a low balance on 2 other accounts ( < $ XXXX ) 3 ) Number of auto trades - NOT TRUE - I have never " traded autos '' in my life 4 ) Delinquency reported on accounts - NOT TRUE - I have never had a delinquency - not once, not ever.

5 ) Number of inquiries - NOT TRUE - Transunion/Equifax report inquiry number as " XXXX '' - zero Had to waste 2 hours trying to find the real number to speak to a human being at Experian. When I finally received the number, rep was combative and unhelpful. 
How/why is this company allowed to influence decisions on credit, rates, etc., when they are grossly incompetent and indifferent? This is costing people time and money and no one seems to care.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX - XXXXThis is inaccurately reporting on my report. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX, I called capital One/XXXX XXXX GM card, and asked for assistance because I am a victim of hurricane Irma. I spoke to two supervisors, and the last one told me that I would get a credit of {$200.00} on my account to help out with food, gas, water, etc. She said the credit would appear on my account within 24 to 48 hours. 48 hours later, I called capital one again since the credit had not appeared and I was told that they were " doing a system upgrade '' and that the credit would appear shortly. XX/XX/XXXX, still no credit, so I call again and I am now told that the credit will be on my account on XX/XX/XXXX.XX/XX/XXXX comes and still no credit. I call capital one again, and the manager I talk to this time was very unsupportive, unsympathetic, and clearly unbothered. I told her that I was told that I would get a {$200.00} credit for hurricane irma, and she says that is not true, " we do n't give credits up to {$200.00} for anything and if the agent you talked to told you that, they should 've given you the credit immediately, we have steps to take for things like this and you have to apply for a credit increase '' after some unnecessary back and forth. She puts me on hold and comes back and says she has pulled the call and she sees the notes where the previous supervisor said I would get a {$200.00} credit but she has to forward the call to the corporate offices and let them listen to it which will take 7 to 10 business days. So not only does capital one not believe its customers, it does n't believe its own employees. XXXX XXXX, in the middle of writing this report, I get a call from the same manager, who sounds much nicer now. She says she has spoken with her supervisor ( which was something she could n't 10 minutes earlier the first time we spoke ) and granted me {$150.00} credit. I do not appreciate the way this company jerked me around and lied to me, it 's bad enough I am dealing with the aftermath of a category 4 hurricane, and after recieveing emails from capital one, saying " we are here for the victims of hurricane Irma '' capital One has proved to be unreliable, dishonest, and unaccountable.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 or other personal consumer reports

Recently I looked at a copy of my credit report and notced several inaccuracies in my account. This account is hurting my abilility to obtain credit.It is my understanding that you will investigate these tems for me to ensure accuracy. 


Here is the tem I am asking you to verify as accurate : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The XXXX had was used ran good for about 2 months after everything went bad to the point where the engine blew and they told me I had to pay XXXX XXXX for new engine could pay so they took my car and messed my credit up
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I write them ask them to prove it because it wasnt me they havent, in 6 months, I have note and disputed it with all three credit companies an asked them to do the same thing no reason why it still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Cashapp let any company come in and take your money without you even knowing and when you write the support team they act like its nothing they can do once the company or scram take your money and it's like when you try to let them know about the transaction it be earned or not there anymore and your money gone
Product: Credit reporting, credit repair services, or other personal consumer reports

satisfaction of civil judgment. Balance due to the creditor is {$0.00}, however, credit report showing that account was charged off and that there is a balance due.