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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : 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 XXXXXXXX XXXX XXXXXXXX. 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 made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX XXXXXXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
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: Money transfer, virtual currency, or money service

I am writing to you very respectfully to present my case with the financial institution Citibank and to request the UNBLOCKING of two wire transfers made on XX/XX/year>. 

The transfers are as follows : 1. An amount of {$5000.00} with Reference No. XXXX 2. An amount of {$6200.00} with Reference No. XXXX Both transfers were made for the purpose of purchasing a XXXX brand vehicle from the company XXXX XXXX XXXX XXXX, which manufactures vehicles and represents XXXX XXXXXXXX XXXX XXXXXXXX. 

Once the transfers were completed, Citibank proceeded to cancel both and subsequently blocked the funds. 
Citibank is now requiring an XXXX ( XXXX of XXXXXXXX XXXX XXXX ) license in order to unblock the funds. 

However, many XXXX are currently purchasing XXXX  vehicles through wire transfers. In fact, Citibank has authorized many Venezuelans to purchase XXXX vehicles via wire transfers. 

It must be clarified that laws must be equal for everyone ; there can not be any discrimination. Citibank is applying sanctions to my transfers while at the same time approving transfers for other Venezuelans. Citibank is acting incorrectly and in a discriminatory manner. 

Additionally, it is important to highlight that I have been a Citibank customer for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between transunion and experian..this account has obviously been reaged another violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name Selfinc/Lend Account # XXXX Loan # XXXX ) has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and needs to delete right away : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX XXXX WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ACCOUNT NUMBER -- - XXXX ( XX/XX/XXXX- XXXX XXXX ) AND # XXXX ( XX/XX/XXXX- XXXX XXXX ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX  days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX Attorney General
Product: Student loan

On XX/XX/XXXX I had to leave Federal employment due to XXXX  XXXX. I was without employment until XX/XX/XXXX. Even before XX/XX/XXXX the XXXX was causing significant loss of income due to forced absences. During this time, I had difficulties affording payment plans during this time as XXXX worked 18 months to complete my XXXX claim. 

Navient failed to provide accurate information about XXXX discharge in the early stages of my unemployment, when a recovery was uncertain for me. In addition, Navient failed to accurately review my income when a request for income driven repayment was filed. The rejections and subsequent refiling, led to several months where Navient " forced '' me to claim forbearance to avoid defaulting despite continual notice to Navient that I was fully XXXX and unable to work without any income. 

Navient eventually notified me of a website that had information on how to file for medical discharge, at which point I was recovering so the information was useless. 

Since my recent employment there has been an additional issue. I had unplanned finance issue requiring a late payment, only I couldn't contact Navient. Each time I would call the automated system would transfer me to a busy signal. I attempted many contact numbers listed for Navient on the Web, I attempted using the international line, and also attempted the numbers in delinquent email notice to the same result. 

Today, XX/XX/XXXX, I was able to connect with an agent. I attempted to file a complaint by describing my issue with contacting Navient and received a brush-off response from the agent that answered the phone. 

I'm willing to upload any documents necessary.
Product: Credit card or prepaid card

I made the purchase of a puppy on XX/XX/XXXX from a company called XXXX XXXX XXXX. I used Paypal Credit to make the payment because of their promotional offer of 6 months no interest if paid in full. I received statements that showed they were charging me interest so I called PayPal Credit 's Customer Service on XX/XX/XXXX. The first representative looked at my account and said that the payment was paid as a Cash Advance instead of a purchase and did not qualify for the promotion. I called again and asked for a supervisor. We went through the Terms and Conditions where it said that a purchase is made to a merchant at a website, by telephone, or another authorized location. The company I paid had a website so I thought I was covered. The PayPal Credit supervisor said in the definition section of the Terms and Conditions that because I had made the payment using a link provided by the merchant it was considered a Send Money transaction, not a purchase, that did not qualify for the Deferred Interest promotion. If I had made the payment directly to the website the supervisor said I would have qualified. I feel that is not a situation that a consumer could understand when reading PayPal Credit 's Terms and Conditions and the confusion created is a deliberate effort to defraud.
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 federal protected consumer rights to privacy and confidentiality under 15USC 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 
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 reporting containing any of the following items of information. Any other adverse items of information, other than records of convections of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681 s-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: Checking or savings account

I went to Bank of America machine and deposited XXXX dollars and the machine only registered XXXX dollars instead and I went inside the bank and made a teller deposit with should of been a total of XXXX dollars the bank not being up front about when the money would be replaced in my account and money is disappearing out my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to have XXXX XXXX XXXX quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. I have supplied this documentation to XXXX XXXX XXXX and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, 2017 and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " manager ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.
Product: Checking or savings account

I need your help in a resolution to my problem w ith RBS Citizens  Bank referring to my 60 months automatically renewable term deposit account, which was matured on  XX/XX/XXXX .  <P/> I have tried numerous times over the years contacting  Citizens  Bank to allocate where the money {$7800.00 } (  as of XX/XX/XXXX   )  has gone to, but to no avail.  <P/> I have received a RBS notification dated  XX/XX/XXXX , stated that the named account was inactive and needed to be reactivated by my signed confirmation of the account by  XX/XX/XXXX , which I signed and express posted the confirmation letter to  Citizen  bank on XX/XX/XXXX   <P/> From  XX/XX/XXXX , I have contacted Citizens Bank no less than 7 times in writing to request update on status of the account and asked advice, and got no reply at all.  <P/> called  XXXX   Citizens Ban k on  XX/XX/XXXX  and received no helpful assistances : The first call, a person named  XXXX  hung up on me after I stated my case and requested account information ; and the second call a person named  XXXX  could not find this account and also hung up on me.  <P/> checked on Massachusetts State Treasury Lost Money website every month and can not find my name on the list of accounts. This CD was originally opened more than 30 years ago, with a bank ( to  XXXX   XXXX , now  Citizens Bank ) l ocated in  XXXX   XXXX ,  XXXX  Massachusetts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following have violated my rights : account number XXXXXXXX XXXX XXXX last for of account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
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 states : A consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've made request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho ugh TWO YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Unauthorized Credit Inquiry by Experian Bus Info Solutions I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : Experian Bus Info Solutions Inquiry Date : XX/XX/year> Alert Date : XX/XX/year> Business Type : XXXX Contact Information : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by Experian Bus Info Solutions was made without my explicit consent. I did not apply for any credit or services that would authorize this inquiry. Under the FCRA ( 15 U.S.C. 1681b ), any credit inquiry requires the explicit consent of the consumer.

Misleading Practices : This inquiry was conducted under misleading circumstances. The FCRA mandates transparency and proper authorization for credit inquiries, which were not observed in this instance. 

Violation of Consumer Rights : According to the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is unauthorized and inaccurately reflected on my credit history. 

Potential Harm and Liability : The presence of an unauthorized inquiry adversely impacts my credit score and may affect my ability to obtain credit. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with the Act 's requirements, including unauthorized inquiries.

Request for Action : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report. The misleading nature of this inquiry underscores the need for prompt corrective action. If this situation is not rectified, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I may also pursue legal remedies for any damages incurred due to this violation.

Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Wrong address and wrong name reporting on my credit. Already filed a report with the FTC
Product: Credit reporting or other personal consumer reports

I have been affected by XXXX XXXX and I have accounts and incorrect information on my credit reports. I have filed multiple claims and I want these accounts off my credit report.