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

I am writing to dispute the following information that your company supplied to Equifax, LLC. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item for instance : XXXXXXXX XXXX at XXXX for account number XXXX XXXX XXXX XXXX is inaccurate or XXXX XXXX XXXX credit reporting agency has reported no data for the years XXXX, XXXX, XXXX, XXXX, and XXXX. XXXXXXXX XXXX has also not provided a written statement proving that the interest rate was not discriminatory, late fees were accurate, and why it did not honor lump sump payments over the due date amount with no payment due in the preceding months. I am requesting that XXXXXXXX XXXX  have the item removed or adjust the amount that is reported over an above the credit limit. 

There is no indication that the interest rate assessed on the account was not discriminatory compared to the national average rate offered for a XXXX veteran with my credit rating at the time the account was opened. 

There is no written indication from XXXXXXXX XXXX that the late fees assessed on the account were justified considering XXXX XXXX who is a XXXX veteran paid lump sump payments, but XXXXXXXX XXXX  would impose a request for payment in the preceding months. 

Equifax has not taken these issues into consideration and has not provided anything in writing from the original creditor XXXXXXXX XXXX to justify the continued reporting of this account to the credit bureau. 

Enclosed are copies of my credit report and any other documents supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete or correct the disputed item ( s ) as soon as possible.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4600.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX {$5700.00} XXXX XXXX  XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$1300.00XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX
Product: Payday loan, title loan, or personal loan

I wasn't shown any paperwork prior to getting the work done on my car. I was told that I would only have to pay $ XXXX. After the work was done, then I was shown the paperwork and forced to sign the contract or I would not have gotten my car from the repair service. I was told that I had the option of paying off the loan in 100 days, but if not that was fine. Never once until I saw the contract was I told my interest rate would be at 169.53 %! I would've never agreed to an interest rate that high. From everything I've read, the interest rate being charged is highly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are found to be inaccurate and can not be verified. See attachment. 

XXXX  acct # XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to OneMain records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, XXXX reports that the account was opened on XX/XX/2022, but Experian and XXXX report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated I disputed inquiries that are reporting on my consumer report and Equifax response is that they will conduct an investigation and send me correspondence with an explanation of the results they found and that never happened. I disputed these inquiries and it is Equifax responsibility to check the validity of these inquiries and find out how they were verified, written signatures etc. 15 US C 1681 States that the banking system is dependent upon fair an accurate credit reporting. And what is happening here is not an example of that. 15 US C 1681B ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. No written consent was given I am requesting that these inquiries be removed. 15 usc 1681d says I would be informed and this never happened. I am disputing the following inquiries 1. XXXX  XXXX XXXX  XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX  # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the 3 majoXXXX credit bureau requesting to have my credit file corrected from all inaccuracy. 

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 instruction. 

Reporting a debt as charged off, when it was settled or paid off. 

Reporting late payments when your payments were timely. 

Reporting old debts as new ones. 

Reporting that an account was active after it was voluntarily closed by a consumer. 

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Product: Checking or savings account

XXXX received a fraud alert on my accout. They caught it, XXXX dollars in fraudulent charges. I called them and thought itnwas taken care of. But it was not. They let the charges go through anyway. They said I'll get a refund after their investigation. I should not have to wait for my stolen money to be returned. They knew these were not my charges. They knew they were fraudulent and let them go through anyway. I'm not able to pay my bills because of the banks inaction against the fraud they detected. They say I'll get my money back but I don't feel safe. I'm going to take all my money out of their bank and go somewhere else.i want my money back. I want the bank to be fined for not taking immediate action to protect customers when they detect fraudulent activity. I can't pay my bills this month because of what the bank did allowing the fraudulent charges to go through.
Product: Debt collection

I asked for a bill for damages received by apartment company but they did not send one out nor did they want to send one out to my current address.
Product: Money transfer, virtual currency, or money service

It is hard to vocalize how difficult it is to have deal with Paypal. The representatives trying to use anyway to take an advantage and charge illegal fees for friends and family option that supposed to be free at no charge between Paypal members. They invite to add other cards on Paypal account and after that they try to charge credit cards for option family and friends and completely blocked free option and stay ignored on my inquires, emails and messages. Resolution center does not allow opening the case for any of my inquiry that they could have no records of their outrageous power abuse and my attempts to get through. They use anyway to keep their hands on my money and play with that and I have to work hard every day to XXXX them to move my money to family per my request. 
I was waiting since XX/XX/19 and I began to communicate in writing with Paypal to move my money and we got exhausted. Paypal representatives act blind and/or like they do not understand English and try to redirect my inquiries to a different issue that they made up and trying to talk to me to apply for debit business card. I had extremely difficult times to get a PayPal debit card. They lied constantly until finally I got it. But now I need a replacement card and they act like blind on my request in writing and deleted that option when I could just click on and order the replacement card. They try to block me from every possible way to access my money that they imprisoned. They imprisoned my money and charged fees that they refused to return and now even imprisoned my wishes and actions. 
These four transactions that they used their power abuse to charge illegal fees for family and friends transactions : Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Transaction ID XXXX family and friends request sent for {$2100.00} and Paypal does not allow me to use family and friends option and want to charge my credit cards.

My Cash Money {$2800.00} on my account and they blocked my money from me. Please help. They keep their Resolution Center corrupted that does not allow to open the case against the inside abuse. They act like thieves.
Product: Credit reporting or other personal consumer reports

Consumer has requested several times for Transunion to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Transunion continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Transunion is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( 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

I attempted to transfer {$1100.00} from my external non USAA account ( XXXX ) and {$100.00} was placed on hold without warning or cause. Now USAA states they can not reverse or stop this.

I understand this hold may be based on a few variables ; this limit is determined by the system and is based on the 3-month average balance of all accounts in the relationship. However, I can not fathom why only a small fraction ( {$100.00} held out of {$11000.00} ) I am confused to why only {$100.00} was held, why is that? Accurately and thoroughly explain the funds availability schedule, why funds were not available ( Delayed ), and when the funds will be available. 

This is my XXXX account, which I pay my USAA Auto Insurance through as an ACH auto debit every month. I also have transferred from this external account ( XXXX ) before many times, not this amount but nevertheless I have made EFTs from here before. Working for a bank we do have exceptions processing unit, or the electronic transfers unit that can assist with placing a stop on the transfer or merely not accepting it.
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  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 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 : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as XXXX and 60 days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX  XXXX acknowledging the processing error. 
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: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a serious issue related to identity theft and inaccuracies on my credit reports with Experian, XXXX, and XXXX. 

On XX/XX/year>, I filed a report with the Federal Trade Commission ( FTC ) regarding fraudulent inquiries, incorrect addresses, and my name being reported incorrectly on my credit reports. I am a victim of both identity theft and a data breach, and in XX/XX/year>, I uploaded a police report to each of the credit bureaus to verify my situation. 

On XX/XX/year>, I also mailed certified letters to the credit bureaus to further address this issue. Included with my FTC report were supporting documents such as my driver 's license, a utility bill, and a bank statement, all of which provide my correct and current information. Despite these efforts, Experian, XXXX, and XXXX have failed to remove the inaccurate information, which has severely impacted my credit. This ongoing issue has made it difficult for me to access credit, as creditors are unable to verify my identity due to the conflicting information on my reports. 

I am seeking your intervention to ensure that Experian, XXXX, and XXXX take immediate action to correct these inaccuracies and restore my credit standing. The continued presence of this erroneous information is causing significant harm to my financial stability. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Debt collection

I received a letter on XX/XX/XXXX about a debt from XXXX from the company called convergent outsourcing, Inc. Their address is PO Box XXXX, XXXX XXXX WA XXXX or XXXX XXXX XXXX XXXX. I do not have any debt from XXXX. This looks like a scam letter.
Product: Debt collection

I mailed a letter to Medical Business Bureau in XXXX disputing these accounts and demanding legal validation. Not only dod I never receive a response but I see a new account on my current credit report I knew nothing about.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX sent the Cash App which I don't use, don't have on my phone or computer back a response to questions like how long I have used them which is never and what do I think the fraud is I said yes XXXX missing out of my bank plus XXXX in overdraft fees was taken without my permission or knowledge from the middle of XXXX until first week of XXXX. It has become a nightmare to get any feedback.
Product: Payday loan, title loan, personal loan, or advance loan

I had a checking account wit XXXX XXXX XXXX XXXX XXXX ( XXXX ) then had a line of credit. In XX/XX/XXXX I was XXXX from XXXX XXXX working at XXXX XXXX XXXX after XXXX  years of employment. I was struggling to keep caught up on all of my payments. XXXX told me to stay in constant contact, which I did. They foreclosed on my home of XXXX years in XX/XX/XXXX. I got a knock on my door from a buyer asking about the condition of home. This is how I was notified of my XXXX XXXX XXXX off. I became XXXX. I had a XXXX XXXX XXXX XXXX I had the same cell phone number & email address. XXXX never sent me any letters stating you owe this debt. XXXX to XXXX. I get XXXX mail stating I'm being sued by Professional Finance Company, whom XXXX sold off account to XXXX. I then listened to a person, who referred me to XXXX XXXX XXXX XXXX in XXXX XXXX whom I'vepaid {$220.00} to resolve this. For XXXX months I've asked for documentation showing the transactions of this loan/debt. The account states XXXX & ends with date XXXX. There is nothing showing what I paid during that time frame, etc. I have informed XXXX XXXX I couldn't attend court & she didn't notify them so I was considered a no show. Now I look even worse than before. I was a XXXX customer for decades & this is how I was treated. Now years later they sell off debt to a collection agency notorious for suing people. I've never been sued in my life. As if XXXX my XXXX XXXX, ruined credit wasn't harsh enough. I'm being sued & can not get XXXX XXXX, PFC, their attorney to provide me with documents. This has continued for months now. If PFC is suing on behalf of XXXX why can't I get documents? The amount owed shows {$3300.00} on 1 form & another shows {$3300.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this complaint due to XXXX 's, XXXX failure to accurately maintain and correct errors on my credit report. Despite my numerous attempts to address these issues directly with XXXX, they have failed to remove inaccurate negative items from my credit file. This negligence has caused significant harm to my financial well-being, including a lower credit score, denied credit opportunities, and financial stress.

Specifically, I have identified the following issues : Negative Items That Should Be Removed :
Product: Credit reporting, credit repair services, 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 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.