23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a savings account with Truist bank that is basically a dormant account. I noticed in late XXXX that {$2100.00} had been removed without my permission. An unauthorized payment was made to XXXX XXXX in XXXX. I didn't authorize the payment and I don't know what the payment was for. I called Truist and opened an investigation. They denied my claim saying I authorized the payment, which of course, I didn't. In the denial letter, they said I could request the documentation that led to their decision. I called and asked them to send me proof that the payment was authorized by me. I've been waiting for months, and they've sent me nothing. I have to call them once a week asking for the same documentation. They put me on hold for long periods of time, then say they are submitting another request to the analyst for the proof, but of course, nothing happens, so I have to call again. I also called XXXX XXXX and asked if they could tell me what the payment was for or who it was made to, but when I provided them with the reference number from Truist, they the reference number isn't accurate. Basically, Truist stole {$2100.00} from me and they refuse to give it back, or at the very least, provide me with the documentation/proof that led to the denial of my claim.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint and request an investigation into concerning practices observed with my accounts at America First Credit Union. The issues at hand involve misreporting of charge off status and the failure to provide necessary documentation, raising significant concerns about compliance with regulatory standards. 

Firstly, it has come to my attention that despite the accounts being charged off, they continue to be inaccurately reported on my credit report. This misreporting is particularly alarming as it contradicts both IRS regulations, where unpaid charge off is considered income, and FCRA guidelines, which prohibit the reporting of income on credit reports. Therefore, I am requesting a 1099-C ( Cancellation of Debt ) for the charged off accounts listed below : 1. America First Credit Union - Account Number : XXXX Furthermore, upon reviewing my most current credit report, I discovered that the account in question has purportedly been purchased by XXXX XXXX. This raises a critical concern, as a charged off account can not be reported on my credit report if it has been sold to another lender. 

Given the gravity of these issues, I urge the CFPB to initiate a thorough investigation into the practices of America First Credit Union and XXXX Collections regarding the misreporting of charge off status and failure to provide accurate documentation. Additionally, I request your assistance in facilitating the provision of the 1099-C form for the aforementioned charged off accounts.

I appreciate your immediate attention to this matter and the assistance in resolving these issues promptly. Please confirm receipt of this complaint and provide updates on the progress of the investigation. 

Thank you for your cooperation and commitment to consumer protection.
Product: Credit reporting or other personal consumer reports

I applied for a first time home buyer program call Habitat for Humanity because the family owned home is falling down and family is unable to repair it. Also contractors states it's unable to be repaired due to the age of the home. I waited until my score was over XXXX to apply. I completed the classes and received certificate for the completion of the class. Today I received a letter turning me down for the home because they stated my score was XXXX, which I know is false because I checked it BEFORE I SUBMITTED IT ON XX/XX/, and all 3 scores were XXXX plus. Requested proof and they can't supply it because it was untrue. Habitat for Humanity for XXXX and letter was signed by XXXX XXXX XXXX XXXX I shouldn't have been disqualified because of my past credit, I'm a XXXX yr. old XXXX  XXXX XXXX who has worked to improve my credit score just to be able to get a better way of life. When I was told my score had to be XXXX, I did it SO whyam I being penalized for that?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in the reporting and handling of my credit file in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, Banking Act, Gramm-Leach-Bliley Act ( GLBA ) Section 6802, and 5 U.S.C.. In addition to addressing the inaccuracies on my credit file, I am exercising my right to opt-out from the disclosure of my personal information. 
Dispute Details The following accounts and information contain errors or discrepancies that require immediate correction : NATIONAL CREDIT SYSTEM Account number XXXX Original creditor XXXX XXXX Company sold - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Monthly payment - Past due amount {$1800.00} Terms 1 Month Responsibility Joint Your statement-
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma told me that I was approved for a Credit Card and then was Denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX never sent any documentation over to XXXX XXXX  about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my XXXX form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX XXXX score dropped XXXX points and my rate went up {$1.00} according to alerts. Trans union has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also XXXX a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX  XXXX  Account XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX  Account number : XXXX Account name : 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 Account name : XXXX Account number : XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 602 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 XXXX than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to request your help. WELLS FARGO BANK is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX Status : Closed/ Charge off /Date opened XX/XX/XXXX Bal {$150.00}. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Product: Debt collection

CCS Collections has violated my consumer rights under 15 U.S.Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

CCS Collections is in violation for trying to collect a debt that was never owed. I relocated to Georgia and switched my car insurance company to XXXX. Once i provided proof of this to the original creditor ( XXXX ), they updated my balance to {$0.00}. However CCS Collections continues to report this negative account on my consumer report. 

CCS File Number : XXXX XXXX XXXX PIN Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX | XXXX - {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXXXXXX | XXXX - {$0.00} XXXX XXXXXXXX XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} 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

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Mortgage

We completed a refinance in XX/XX/XXXX where the mortgage company encouraged us to change to paperless statements. Since we pay online via our bank we did not rely on getting these. There was an escrow change " sent '', we did not get in XX/XX/XXXX that increased our payment by {$140.00} to escrow starting in XX/XX/XXXX. Since we did not receive this we did not know so come XXXX we paid the standard amount via our bank and the mortgage company accepted it. 

As I prepared to pay XXXX I recalled getting a tax letter from XXXX XXXX about an increase and wondered about our escrow. I went through all the steps to get on the mortgage company 's website, not easy and was confused to see that my XXXX payment was marked suspended and they said we owed a full XXXX payment. After speaking with a helpful representative, we understood the payment from XXXX was being held in suspense as it was {$140.00} short ( the new increase for escrow )? I explained to the agent I did not get the escrow email and still did not understand why the company accepted my payment but did not reach out to us for the additional {$140.00}. I worked with the agent to pay the additional {$140.00} on XX/XX/XXXX, " 3 days late ''. The agent agreed this was odd and removed the late fee, I thought the issue was settled. 

Since we were part of the XXXX breach we received credit change notices and saw that the mortgage company put a late payment on our credit report. I spoke to the escalation agent at the company but was told there was nothing that could be done, their policy was to only accept full payments and would not provide a goodwill change as they were not at fault. 

This is interesting, they were not at fault? Their policy is to only accept full payments, but they accepted our payment. It was not returned to us or denied? How is that not their fault? If they had not, I would have seen the issue in our bank account prior to 30 days and would have resolved it. This company sent me XXXX emails in XXXX, to refinance or take another offer from them BUT they could not email me about the account issue. They could not call. They have seriously hurt my credit for {$140.00}. 

I have submitted a credit reporting " goodwill '' change request to them but have not heard back in the time stated. This all is very frustrating as we were in progress doing a streamline VA refinance and with this late payment we can not get approved. Their action of accepting a partial payment has blocked the refinance for a United States XXXX XXXX veteran, which would have saved his family {$130000.00} over 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to recieve my free yearly credit report with Equifax and I could n't do it on the website. They asked me to send them a copy of my driver 's license and social security card. I did that and they sent me a letter stating that I did not send them to proper identification needed to get the credit report. I tried to call and could n't get a person. Instead, I got some kind of voice prompt that never sent me to a person. That was my attempt to get the situation settled with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the XXXX time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax Information Services LLC for FCRA Violations, Data Breach, and Financial Harm Description of the Problem : I am filing this complaint against Equifax Information Services LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ), including the mishandling of disputes related to accounts. In addition, I was a victim of the Equifax data breach in XXXX, which has further compounded the financial and emotional harm I have experienced. 
Key Issues : XXXX. XXXX XXXX XXXX  Account # XXXX : ** o Issue : This account is inaccurately reported across the credit bureaus.

Each credit bureau reports a different date of last activity, violating the requirement for consistency and accuracy under 15 U.S.C. 1681e ( b ).

A monthly payment is inaccurately reported on a closed account, which is misleading.

The payment status differs across the bureaus.

o Requested Action : Provide all business and transaction records verifying the legal accuracy of this account, or delete the tradeline from my credit file. 
XXXX. XXXX XXXX Account # XXXX : ** o Issue : Similar to the XXXX XXXX account, this account is reported inconsistently. 
Each credit bureau reports a different date of last activity, which creates inaccuracies in my credit profile. 
A monthly payment is reported on a closed account, which is misleading and negatively affects my creditworthiness. 
The payment status is inconsistent across bureaus. 
o Requested Action : Provide all business and transaction records verifying the legal accuracy of this account, or delete the tradeline from my credit file. 
XXXX. XXXX XXXX XXXX, XXXX ( XXXX XXXX ), and US Department of Education Accounts : o Refer to previous disputes with Equifax regarding these accounts, which remain unresolved despite inaccuracies and incomplete reporting. 
4. Failure to Conduct a Reasonable Reinvestigation : Equifax has failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a thorough reinvestigation of disputed accounts. The use of automated dispute verification systems like e-OSCAR has proven inadequate, as it fails to account for all relevant consumer-provided information.

5. Data Breach in XXXX : As a victim of the Equifax data breach, my personal information was exposed, increasing the risk of identity theft and fraud. Equifaxs lack of accountability in protecting consumer data has directly contributed to the harm I have experienced. 
Harm Experienced : The mishandling of my disputes, coupled with the effects of the XXXX data breach, has caused the following harm : Inaccurate and inconsistent reporting has lowered my credit score. 
Financial losses due to credit denials and increased interest rates. 
Emotional distress from dealing with ongoing inaccuracies and the fear of identity theft.
Product: Credit reporting or other personal consumer reports

Made a honest error for a late payment, it was the first time using credit. Ive be responsible for my credit since.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports