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

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion XXXX The account in question is managed by XXXX XXXX ( Account # XXXX ). I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as my records show I have been enrolled in autopay for this account since its inception. 
TransUnion : XXXX late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Discrepancies Across Bureaus : Date Opened : Discrepancies between TransUnion ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 
XXXX XXXX : Differing statuses for the same period. XXXX 's report of " Late 180 Days '' conflicts with TransUnion and XXXX 's " Late 120 Days. '' Last Reported Date : TransUnion and XXXX show XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Date Last Active : Significant inconsistency between bureaus, with TransUnion showing XX/XX/XXXX, XXXX showing XX/XX/XXXX, and XXXX showing XX/XX/XXXX. 
Date of Last Payment : TransUnion and XXXX list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : Sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure accurate information. These inconsistencies represent a clear violation. 
Truth in Lending Act ( XXXX ) : Mandates accurate reporting of credit terms and payment information, which has not been upheld here. 
Requested Resolution : I kindly request that TransUnion conduct a thorough investigation into this matter and : Remove the inaccurate late payments from my credit report. 
Correct the discrepancies in dates and payment history. 
Update the payment history to reflect my consistent on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue XXXX lead to further action to protect my rights as a consumer. 
Attachments : Payment records demonstrating on-time payments. 
Screenshot of current credit report entries highlighting discrepancies ( attached for reference ). 
Supporting documents related to autopay enrollment. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH EQUIFAX DATA BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE EQUIFAX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.
Product: Student loan

XXXX XXXX and now Navient Corp. have violated the terms of the consolidated loan and have charged late fees and put the loan in forbearance without consulting me first. They. loose paper work and even one of my checks with no explanation or apology. They have accused me of missing payments and I have sent them my bank statement which shows a double payment. They assign an advocate and they last about a year and then do n't tell me of a change in personal. The loan was for my Son.
Product: Debt collection

This company is reporting inaccurate information on my credit report. I have no knowledge of this account or to whom it belongs to. I've reached out to them directly asking them to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the companies in question or any other 3rd parties direct consent or access to my consumer reports. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because my right to privacy has been breached this has caused me emotional distress which is a crime pursuant to title 18. TRANSUNION is conspiring with the furnished companies in the continuing violation of my constitutional protection rights. 

The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached the Identity theft reports and fraud reports along with a copy of my identification. I will be sending this CFPB complaint along with all other documentation to the Attorney General as record that you, TRANSUNION, CEO and Registered Agent have been made aware of the laws you have broken, which are causing me a great deal of emotional distress. 

( Excerpt from Affidavit of Truth sent to Transunion )
Product: Debt collection

I am submitting a complaint regarding Discover Card. Despite having paid off the full balance of a debt owed to them, this account is still being reported as a charge-off on my credit report. Additionally, Discover Card has refused to provide me with a confirmation of the dissolution of this debt. 

This situation is unfairly harming my credit score and financial standing. I kindly request your assistance in ensuring that this account is updated accurately on my credit report, with the charge-off designation removed. I believe this correction is essential for restoring the integrity of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my Transunion credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?
Product: Checking or savings account

My ATM card was stolen and there were 3 unauthorized charges and several unauthorized ATM transactions. Citibank is giving me the runaround about the ATM transactions. They had no problem refunding the charges but they 're giving me a headache about the ATM transactions. Even though some of the charges were BEFORE the ATM transactions. I 've never used this account for ATMs. Anyway, I get this letter that says they tried to contact me for follow up and were unsuccessful. That ca n't be true, I 've received no communication from them. Anyway, the letter says to contact XXXX XXXX and so I did. She says I have to call and reopen the claim. So I call and they tell me that the claim was denied. Why would the ATM transactions be denied but the charges be approved? It does n't make sense.
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. 

List of Unauthorized Inquiries : 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 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

Hello below are the companies I've reached out to several times this is my final attempt and will be pursuing legal action. Below I've listed accounts that are reporting inaccurately and Experian has yet to provide me with any verification and this is a serious violation according to the consumer laws Under 15 USC 1692G. Delete these accounts immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. It is illegal to continue to ignore these disputes and you are being willfully negligent as I have made subsequent attempts. It's hard to believe that Experian is even doing a real investigation. Remove these from my report as it has been XXXX full year and still no change, update or any verification. 

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

On XX/XX/20, I reopened a dispute with Experian regarding a bankruptcy that has appeared on my credit report as two bankruptcies. I have opened several disputes, to no avail. This time, I provided documentation from XXXX XXXX ( the reporting agency Experian claims to use ) confirming that one of the bankruptcies WAS an error and that it was to be removed from my credit report. 

Today ( XX/XX/20 ) I received a decision on my dispute and, once again, Experian says that the reporting agency confirms that the reporting is correct? 

If Experian actually DID check, they would have found the opposite. I sent them documented proof AND XXXX XXXX would have confirmed my claim. 

This is very frustrating. I have been trying, for years, to take care of this and thought it was finally over. This is ridiculous. 

They have power over the interest rate on my car note, whether I can rent the house I want to live in ... I am playing by the rules and they continue to irresponsibly wield their power without consequence. 

I have attached my supporting documentation. 

Please help.
Product: Credit card or prepaid card

On XX/XX/2017 i purchased a queen size mattress from XXXX XXXX located at XXXX XXXX XXXX in XXXX NC. At that time i was sold the mattress on a XXXX XXXX credit card by a representative named XXXX. We were told therd was no interest for 6 years as long as payments were made each month. No minimum due and we werd never given any form of terms of agreement for the credit issued by XXXX XXXX. All payments were made on time as we waited to receive our bill each month to schedule payment. Conveniently enough for XXXX XXXX one month our statement never arrived and we began being penalized with late fees and were informed that that we were gking to be charged 30 % interest which would also be retroactivated. Instead of risking damaging my credit and paying 30 % interest on a purchase we were told would be interest free for 6 years we paid off the entire amount at a financial hardship to us so we wouldn't have to deal with these con artist crooks anymore. They also sent us threatening letterd AFTER we had paid the entire balance of the mattress. Disgusting.
Product: Student loan

I believe I am an participant in the navient class action settlement I have been in multiple schools since XXXX
Product: Credit card

There is an outstanding debt being reported on my credit reports and this account does not belong to me. I have tried contacting Walmart and XXXX which is the company that I was told purchased tha account and have not received a response from either. I would like this information removed from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.
Product: Checking or savings account

Around 6 months ago I had a current banking account and I had my money I worked for deposited on the account and I had XXXX deposited Around XX/XX/2023 and they closed my account and told me I had to wait for my money and I waited and they have no phone number to call so I sent emails and finally today they answered me telling me they will not hive me the money that was deposited on there I was selling on XXXX and had my earnings being deposited and now they said they are keeping them can you help me they have no right to keep my money that I worked for thank you
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

During the month of XX/XX/XXXX to XXXX XXXX I countered deposited XXXX during this time was XXXX.i was asking for a bank petition and a pardon for all my money back.on a check to get out of this life crisis.this happen with my service animal.
Product: Money transfer, virtual currency, or money service

Initiated a bank transfer from XXXX to Coinbase. XXXX sent a fraud warning. I locked my account and froze transfer per XXXX direction. Re transferred money 4 hours later when fraud scare was cleared. Money landed in my Coinbase account. Coinbase allows trading prior to full account transfer. I purchased {$1300.00} XXXX coin. On XX/XX/XXXXmy position in XXXX was liquidated by Coinbase and money was gone.
Product: Mortgage

I sent a letter to all parties that I think might hold my mortgage to telling them that I heard about the supreme court case regarding rescission. Because I filed the notice when I found out I was not getting any cash out of the refi I sent a notice to rescind and have a copy of the actual form. Green Tree replied to my request by asking me to provide proof of the date it was received before the deadline. They are missing the point of the XXXX v XXXX home loans, is that recission starts the moment it is dropped into the mailbox, not when they receive it. I was told at the time that they did not get it before the expiration date. But they did get it. I was lied to by title agents about the terms of the loan. I asked them to honor my request for rescission which was originally directed to XXXX. The right to rescind the loan expiration contingent upon any cash being given out of the refi to be intentionally misleading. I was never told I had to wait until expiration of rescission or that if I did not get cash out I would still be under the terms of the loan. See enclosed letters from both myself and Green tree.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. Im attaching proof that XXXX admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my Credit Reports. 
XXXX XXXX XXXXk acct # XXXX Portfolio RC accts # ending in XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information in terms of my employer who I never worked for on my Equifax, XXXX and XXXX. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX  XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

Dear Whom this may concern I continue to try to work with this company but they continue to report incorrect information dispite letters, call and complaints. They also seem to change my balance by 1 $ XXXX every week by decreasing and increasing the balance to reflect activity on the account. I have contacted the company several times only sending back deeds not signed by me. I have only signed up for one timeshare in my life and that was in XXXX XXXX. I also sent police reports to show this debt was not mine. I 'm currently trying to buy a home for my family and this collection is really reflecting negatively on my ability to do so. I would like the company to delete this collection on all agencies.
Product: Credit reporting or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

Account - XXXX XXXX XXXX XXXXccording to 15 USC 1692a ( XXXX ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the XXXX will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : XXXX. XXXX of XXXX Report
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( CCB/ZALES ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( CCB/ZALES ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Product: Debt collection

They are trying to reach someone we don't know at our phone number. We have told them we don't know the person and to stop calling us. The calls keep coming.
Product: Mortgage

Loan Number:XXXX  Bank of America Home Loans From : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it May concerned, I am seeking assistance from Bank of America to help with a modification of my home so, I WONT BECOME HOMELESS ON THE STREETS OF XXXX  . I have the help of XXXX and submitting all of my documents to them. XXXX XXXX XXXX  from the Bank of America Regulatory Department is harassing me with phone calls every week!! I dont understand what is her issue!! She was so disrespectful and nasty towards over a month ago. No one else from BAC has every been very nasty towards me. I am doing my complete best to keep my home. This is the 4th complaint I have made of this lady from Bank of America. This has to stop. Please help me! I am just requesting assistance from the Bank not weekly harassing phone calls. XXXX  representatives are very kind and willing to help me through this process. I have submitted all the documents the Bank needs to modify my loan and lower my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Experian that are hurting my file that needs to be removed asap. please review the data that is inaccurate on my credit report to help clear my file.