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

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a late payment entry on my credit report, specifically pertaining to my credit card account with the details mentioned below : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : N/A Balance Updated : N/A Recent Payment : N/A Monthly Payment : N/A Credit Limit : {$6500.00} Highest Balance : {$7000.00} Terms : N/A Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met : 30 Past due 30 days : XXXX Payment history guide : 30 days past due as of XX/XX/XXXX Balance Histories : XX/XX/XXXX : {$33.00} Scheduled Payment : {$33.00} Paid : {$0.00} on XX/XX/XXXX Additional info : As of XX/XX/XXXX, your credit limit/high balance was {$6500.00} Contact Info : Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX I wish to bring your attention to a 30-day past due notation from XX/XX/XXXX, which I believe has been inaccurately reported on my credit profile. I want to emphasize that I have made full payment towards this credit card account, and I possess the necessary evidence to support this fact. 

According to the provisions outlined in 15 U.S. Code 1637 - Open end consumer credit plans ( C ) Payments at local branches.

If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment.

To substantiate my claim of full payment, I am prepared to provide documented proof, which includes a copy of the payment made at the XXXX XXXX XXXXXXXX XXXX, as well as any other necessary documentation that demonstrates the complete repayment of my debt. Additionally, I possess video evidence of the transaction that took place at the bank branch.
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 Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by ALLY FINCL. 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 : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment.

There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing.

I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XX/XX/2023 DIVERSIFIED ADJ SVC added a derogatory mark on my credit report ( XXXX, XXXX & XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE: SHELL POINT MORTGAGE/ NEW REZ        My complaint is against Shell point Mortgage also known as New Rez. I currently hold a home loan with them! My mortgage loan was sold to them (New Rez) back in XX/XX/XXXX. Since my loan was sold to them, it’s been a total nightmare! They claimed my loan payments were late when they weren’t! And I just got with them. They have been calling and calling harassing me as if I’m not making my payments!  When I first connected with New Rez they told me when I could start making payments, which was told to me wrong when I spoke to them in XX/XX/XXXX. They told me by XX/XX/XXXX is when I could start making my payments.  Fast Forward a couple month..  I went to check my credit file, my credit file indicated that I was still with XXXX XXXX XXXX XXXX all the way until XX/XX/XXXX...although payment were going to Shell point.  I also was writing to Shell Point (New Rez) trying to dispute this situation several times and also behind a late payment for XX/XX/XXXX...And need I remind you, I WAS SOLD TO THEM and this is happening. I did not hear back from them at all! After making several attempts to reach out to them, I noticed they have me late again for several months when I was not! When a Loan has been sold to another loan company, consumers are entitled to protection. Mortgage companies have a legal obligation to protect consumers during loan transfers. And I felt like I was not. I did receive a letter from XXXX that my loan had been sold but when I call XXXX, they told me to give NewRez a call. I never received the Transfer notice. So I did call NewRez and that’s when they told me I had time to make arrangements but I still end up getting a late. I was in good standing with my last loan company up until I was given to NewRez (Shell Point)…I am sending copies of the payment History dates that I made payments before the 30ty day late! Oh and why I ended with making payments before a 30ty day late is because how my payments started with NewRez.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed unauthorized inquiries. Tried contacting credit reporting agency and the creditor and got the run around. These unauthorized inquiries are hurting my credit. These are the inquiries below : XXXX XXXX XXXX XX/XX/20 XXXX/XXXX  XX/XX/20 XXXX XXXX XX/XX/20 XXXX  XX/XX/20 XXXX/XXXX  XX/XX/20
Product: Checking or savings account

XXXX XXXX XXXX  shut me down after my account was hacked and they TRYED to steal data from the company using my account something about the dark web that's all chase told me and told .e there shutting me down and I can NEVER BANK with them again ( XX/XX/XXXX ) Bank of America told me it was a issues I had to take up with XXXX since these hankers once again usee my online banking app to put in money my checking account and used the XXXX service to send it to some who knows what name and number I have the screenshots of the I believe was number or to whomever in which my own money for sent out with it and even though all this happened to my money and my closer or accounts I was also put on indigent closer with the XXXX XXXX XXXX though I'm the victim who lost her money I got shutdown and now I have been trying to open up banks accounts and I get denied and even on online banking XXXX XXXX decided to shut my account down and said I volateded they're polices when I didn't miss use XXXX XXXX at all that's where my direct deposit were being send I TRYED opening and new and it shows I had others open under my name and social that was before they required face recognition XXXX I have been a victim of identity theft and scam in which Ive been suffering since XXXX haven't been able to Open anything online or at a bank franchise
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

I have an account with XXXX XXXX- XXXX . I have paid the account to XXXX by working 2 and 3 jobs, however the company keep running my credit which I work hard to build ( by paying them to zero ). They are running my credit without my permission. However, I didn't authorize it because I don't want an increase or any business with them right now. They came back and reduced my credit line causing a massive 27 point decrease. This is a never ending situation with this company. Unauthorized pulls on my credit ruining my credit.
Product: Credit reporting or other personal consumer reports

This grumbling to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting or other personal consumer reports

I filed a few disputes with Equifax confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by Equifax data breach and XXXX XXXX XXXX data breach. Equifax is refusing to remove these inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft see attached
Product: Credit reporting

Equifax is reporting my current XXXX XXXX account opened in XXXX 2013 as XXXX times 30 days late as well as months reviewed at 16 months. The months viewed should be 23 months as the account was opened in XXXX 2013. I contacted Equifax who advised that XXXX has to update this information so they started a dispute. I contacted XXXX and they advised that this is something the credit bureau updates. I feel that Equifax is keeping this number at 16 months reviewed in an effort to keep my credit score low by having lower months of review on the account. XXXX has also forwarded to Equifax on several occasions requesting that my account reflect no lates and pays on time. I recently applied for employment and the has come up on the back ground check. All of my other accounts reflect accurately with the number of months reviewed expect for my auto loan with XXXX on my Equifax file. However it is correct on the other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX/XX/XX/XXXX I obtained a credit card with Capital One with a credit line of {$300.00} while off in college! Since then I have had Capital One report to my credit as an open account thats derogatory statement and then return with an hard inquiry, like I am requsting a line of credit with them and I nolong seek out credit cards. I believe they are doing wverything they can to keep an account open on me and in a negative status! Which continues to affect my credit Year after Year! I really need to get this resolved now that im wanting to rebuild my credit. I have tried contacting XXXX XXXX in regards to this manner but they will send me around and around to see why they are still reporting negative to my credit. 

XXXX XXXX
Product: Debt collection

I recieved a bill from this company and one piece of correspondence, I loggedica on to thier site and made a payment. I attempted to log back in the following month to remit additional paymetns. The log in did not work. i contact the company and did not receive any communcaiton back. I received notification from my credit protection service, that there were derogatory marks on my credit report. They had placed my accounts into collection. As a result my credit score dropped XXXX points in one month. 

So bascially after one month, with no communcation they placed my account into collection without any written correspondence or phone correspondence.
Product: Student loan

I have received multiple letters from Navient inviting me to refinance my federal student loans. Navient was also the servicer for my federal student loans. For a number of reasons, I find it disturbing that the company assigned by the Department of Education to service my loans is steering borrowers into its own private refinancing : ( 1 ) Borrowers may be deceived into thinking that refinancing is part of the federal student loan program ; ( 2 ) The potential consequences of refinancing are not adequately disclosed ( including loss of income-based repayment and forgiveness options ) ; ( 3 ) Navient 's practice of steering federal loan borrowers to its private loan product strongly suggests a conflict of interest ; and ( 4 ) This conflict of interest may result in significant costs for borrowers and taxpayers.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX TX XXXX there should be no other information listed on my consumer file. Equifax keeps stalling my complaint by requesting my identification and social security card but each time I have attached this information to the complaint. This is my final attempt to get you to remove this information.
Product: Debt collection

Encore Capital/Midland Funding LLC Encore acquired the account ending XXXX XXXX in XX/XX/XXXX  going into may according to XXXX XX/XX/XXXX there was never no letter sent to me about the said debt. I also have the copy that I sent XXXX back in XX/XX/XXXX of the said dispute in which XXXX 's kept telling me some one was working on it. If need be my XXXX bill has the calls to XXXX regarding the issue that was at hand. There is this about XXXX 's giving the run around. I see why XXXX is bankrupt due to there customer service. My next issue Encore Capital bought the said debt with no letter or the parent company going back to XX/XX/XXXX of the said bought debt. My next issue will be not to send me no back dated letter in regards to this account. As I said I sent a dispute well befor this account got bought and was in dispute status. I'm also filing with the US Attorney office of consumer rights on this matter. MCM/ Midland Funding/ Encore Capital or who ever owns the account I'm filing on all companies of no letter to dispute and what address it was sent to if there was a letter. XX/XX/XXXX there was a letter mailed out US Postal certified to Midland Credit Management in which there was no response to the dispute or clearing up the debt.
Product: Checking or savings account

I am writing to File a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied for : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX VIA DEALER XX/XX/XXXX. PLEASE REMOVE THIS FRAUDULENTINQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
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 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, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose 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.
Product: Debt collection

XXXX Opened this Closed Account without my permission.!!! See attatched XXXX 1099-C IRS CANCELLATION DEBT MC ending XXXX XX/XX/XXXX XXXX. THIS ACCOUNT WAS USED TO OPEN OTHER ACCOUNTS I DID NOT AUTHORIZE. XXXX XXXX XXXX XX/XX/XXXX *UNAUTHORIZED BY ME and XXXX end XXXX XXXX *UNAUTHORIZED BY ME THIS ACCOUNT IS ID THEFT FTC # XXXX XX/XX/XXXX.
Product: Checking or savings account

Have had an account for 30 years at Chase. Deposited checks on XX/XX/23 but as of XX/XX/23 Chase refuses to release the funds. The money was debited from the payors account by XX/XX/23. The funds were part of home buying closing which now can not occur. Chase retains customer monies. How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting the below student loan incorrectly and have not sent me a physical copy of a signed document showing that I opened the account specifically with this company. 

XXXX/DEPT OF ED XXXX XXXX XXXX XXXX, MO-XXXX This debt is showing up as a student loan and showing that I have a credit limit that has been surpassed. I need physical documentation that would show an actual credit limit extended by this company. 

This information needs to be removed immediately from all 3 credit bureaus according to the OBLIGATIONS OF FURNISHERS UNDER THE FCRA. 

If this inaccurate account is not removed from my credit report, it will continue to cause harm upon me and I will have my legal representation file suit.
Product: Checking or savings account

I opened both a checking and savings account with Citizens Bank, XXXX Ohio XXXX on XX/XX/XXXX ... ... this year. This was the last day to take advantage of a promotional offer for a cash bonus. It was {$200.00} for the checking and {$300.00} for the savings, and a additional {$100.00} if all requirements met, after 3 months. {$600.00} total.The checking required {$500.00} Direct Deposit within 30 days and every month for 3 months. I had that in, within 1 month and every month thereafter. The savings was to deposit {$15000.00} and maintain that for 3 months, which I did as well. Also they wanted at least 1 random miscellaneous checking checking account deposit of any amount every month for 3 months as well. That was done by me as well. I had received a mail flyer about promotion months earlier, to my home address, however it was misdelivered ( not my name and address ) and then managed to misplace and lose it. I was interested in it so I stopped by the branch and inquired about my being able to participate with out invitation. The Relationship manager told me a code is needed to start application process. She said she could pull up unused codes locally and did so using one from my own street. The caveat was, ... .she said sometimes they are honored and sometimes not? The promotional period went by, I called in late XXXX. Officer said to do so if had not received by then. I was routed to call center offshore and and was told everything was in order by XXXX and it would be deposited by XX/XX/XXXX. That didn't happen, so in first week of XXXX I called again, and next guy at call center was giving me the run around and needed to connect me to some sort of account specialist. This gal from the states eventually told me she need to investigate further ... and would get back to me. She got back to me a few days later and said I would not be able to get promo reward because code was invalid ( It didn't ) match my address. My point is ... ... these codes are really a random aggregate of letters and numbers ... ... really for what? more importantly, I met all the stipulations and requirements put forth, and this Relationship manager told me others had gotten the reward after having applied this way! I feel VERY strongly that I deserve this money ... .and would like to have it. Needless to say, I have closed these accounts.