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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX, are erroneous and do not reflect my actual payment history. 
Nature of the Complaint : Inaccurate Reporting : The listed late payments are incorrect as I have consistently made my payments on time through autopay.

Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Credit reporting agencies and furnishers are required to ensure maximum accuracy in consumer files. The failur
e to correct these inaccuracies constitutes noncompliance with federal law.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect information about payments may qualify as deceptive or misleading practices under the Fair Debt Collection Practices Act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act mandates accurate reporting of credit terms and histories.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these provisions subjects the responsible parties to legal liabilities, including actual damages, punitive damages, and legal fees.

Summary of Discrepancies TransUnion : Reported 30-day late payment for XX/XX/XXXX and XXXX late payment for XX/XX/XXXX. 
These are incorrect as the account history reflects consistent payments with no delinquencies.

Requested Resolution : I request the following : Conduct a thorough investigation into the discrepancies on this account.

Remove the inaccurate late payment entries from my credit file.

Provide written confirmation of the corrections within 30 days, as required under 15 USC 1681i ( a ) ( 1 ) ( A ).

Failure to comply with this request may result in further actions to enforce my rights as a consumer under federal law. Attached, you will find supporting documentation, including payment records and statements, to substantiate my claim. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

TD Bank : Primary Mortgage and HELOC XXXX is trying to refinance the Primary Mortgage In order to proceed, a subordination agreement for HELOC with TD Bank is required TD has ( presumably deliberately ) dragged and mishandled the process for 3 months. 

This is costing thousands in rate lock maintenance and higher than market mortgage rate being paid to TD Bank vs. the proposed new mortgage
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXXXXXX 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

I am filing this complaint to bring to your attention that TransUnion has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

The fraudulent accounts include multiple Navient accounts ( details attached ).

TransUnion is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that TransUnion provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and do not belong to me. Please have them removed from my credit report : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021
Product: Mortgage

I reached out to Specialized Loan Servicing for assistance with my mortgage after encountering payment issues. However, each person I spoke to provided inconsistent information, resulting in significant delays in payments. Despite multiple attempts to establish a repayment plan, I received inaccurate guidance, ultimately leading to the foreclosure of my property. In order to salvage the equity I had built, I was compelled to sell my home. 

Now, I am eagerly awaiting a paid-in-full letter from Specialized Loan Servicing and for them to update my credit records. Despite my efforts, when I disputed the account through the credit reporting agency, they confirmed that the balance remains outstanding. Conversely, Specialized Loan Servicing insists that the account has been paid in full. They have informed me that it will take up to 30 days from the payment date to generate the required documentation. 

Presently, I find myself homeless and in dire need of this matter being resolved. It is imperative that this account reflects as paid in full on my credit report, along with the provision of a letter as evidence. This documentation is crucial to cease the continuous denial of my applications for apartments, as they erroneously indicate that I still owe this debt.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit Report XXXX XXXX XXXX XXXX  and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall.

( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize anyone employed by these companies to make any injury to my credit score. I did NOT receive any benefit from these inquiries on my credit report and I did NOT authorize these companies or EXPERIAN to negatively impact my credit score.

I demand that they be deleted.

In addition, I did not give you EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry, and giving my approval to negatively impact my credit score. 
I also demand you, EXPERIAN to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf and giving permission to you to allow my credit score to be negatively impacted without any benefit to me. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting

When I first file complaint against TransUnion about information regarding my credit report. My FICO score was about XXXX with reporting to XXXX XXXX company. After a period of time information was deleted from my credit report but my rating went down somewhat. TU ( XXXX ) FICO On the complaint filed with Consumer Financial Protection Bureau case # XXXX section Desire Resolution I stated that " I want information removed from their credit reporting companies and XXXX points put back on my credit report with good standing. TransUnion did response and delet the information but the FICO SCORE was still to low.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dispute is valid. I'm attaching original invoices from Hospital showing their collection is incorrect and want them removed immediately. Also, you have failed to mail me the results of your investigation. Hence, the reason it was being disputed. 

I want XXXX and Transunion to remove both invalid collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

after looking into my credit file I realized that there were addresses attached to my account that were not my physical address I am unaware of these accounts also and have reported this problem to all parties asking that they remove these inaccurate detail on my file
Product: Student loan

XX/XX/20 *Submitted final pay off request to satisfy my loans in full effective XXXX XX/XX/20 *Logged on aes account to see loan balance at XXXX. 
*Money still in checking acct. ( transactions can take 2-3 days ) *Contacted aes to verify payment was complete - they confirmed it was and i would receive pay off letter w/in 30 days. 

XX/XX/20 *Verified funds still in checking account *Called aes - who verified payment had been made and to give it another day or two or contact my bank. 
*Contacted my bank - they show no record of ach or payment transaction / request *Call back to aes - again verifies everything is fine. 
*Mobil Website has no information available - all functionality down due to 'account closed ' status XX/XX/20 *Verified funds still in checking account. 
*Called bank to verify. 
*Called aes to verify payment - Their records show account is satisfied. 

XX/XX/20 *Day 4 - outside 2-3 day ACH *Verified money still in account / bank has no record of request for funds. 

XX/XX/20 *Log onto AES XXXX account balance back, shows overdue account. 
*Called AES XXXX asked to speak to supervisor, They could not provide a supervisor or manager - accountant fielded my call. 
*Accountant suggested 1 ) my account number was wrong but could not explain how i had successfully paid from that same account for the last 10 years - suggested i delete and reenter account due to technical errors on their end - would not elaborate or explain why none of the 3 prior calls had caught it.

2 ) Would not issue a credit for the additional interest incurred.

3 ) Would not submit a letter stating that payment had been submitted before account was overdue.

4 ) Suggested when using the mobile account I force it to open 'web view ' for more detailed information - I found this superfluous as I picked up the phone to speak with 4 separate customer service representatives who failed to notify me of any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX
Product: Debt collection

XX/XX/2022 XXXX XXXX XXXX XXXX agent to XXXX XXXX XXXX filed a complaint for the reason being that a cease and desist was sent on 3 different occasions, and WELLS FARGO AUTO disregarded the notice .They continue to harassing me with debt collection notices to my home address. This has been consistent since cease and desist was received. They threathened me verbally, and in written communication form title 15 usc 1692 c ( c ). The letter stated they would try to reposses if they didnt receive a payment. They have indeed received a 1099A, 1099OID, 1096, 1040, 1040V and a money order with the outstanding principals balance. As they were the borrower and i was the lender who opened up the account with my cestu que trust by my private account number. Banks cant give credit nor any loans according to title 12 Us 1431. If they dont respond to the payment, nor did they send the payment back if they dishonored the 1099A and money order, UCC 3- 603. The payment has been tendered without recourse. A 1099 C cancelation of debt has been to the CEO of wells fargo also along with form 56. They received the forms on XX/XX/2022. Within 10 days they have to respond with a confirmation they recieved full principals balance, as i gave authorization to send written notice ONLY FOR THE PURPOSE OF SAID DOCUMENTS received. Also they are still harassing me through communicating with me through mail when in the cease and desist title 15usc 1692 c I stated not to contact me through phone, mail, or email without consent. Please pay the invoice for the violation. This complaint has nothing to do with FRAUD, so please stop violation me by being false and misleading. This will all be used as documentary material.
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  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO XXXX, XXXX, EQIFAX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL UPGRADE NOW IN COLLECTIONS WITH XXXX FUNDING IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A XXXX  REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency XXXX furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : Navy FCU - XXXX ( XXXX ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''