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

To Whom it May Concern : I am disputing XXXX XXXX gross neglect and failure to notify their client of mortgage payment more than 30 days past due. I paid the XX/XX/2023 mortgage. What XXXX XXXX did not do was notify me that the payment was reversed. Yes, there is a letter showing in " my documents ''. That letter was not sent to me. It would be unrealistic for a client to log into their system every day to verify a clearing of payment. They stated they called ; however, there was no call. They cant even provide a date and time of the call. If in fact the call was not answered, why did they not leave a message? During one of my conversations with them the asked if I wanted to opt into text alerts. I have never been offered this messaging system. 

When looking at XXXX XXXX documents section of their client login, it shows the reverse payment letter dated XX/XX/2023. I received that letter on XX/XX/2023 ( well past the XXXX due date ). Had I received the letter timely or received any other notice, I would have promptly corrected the issue which I did. I will say again, XXXX XXXX did not notify me appropriately as their documentation states. I have always paid all my debts on time. 

Timely payment was made for the XX/XX/2023 invoice to be paid in XXXX. I logged in and made a payment. No error was listed. No notification of a reverse payment. I received my XXXX invoice for XXXX payment. That invoice indicated there was a {$0.00} past due amount. I paid my XXXX payment as usual. I was on military orders away from home most of XXXX, so when I returned home early XXXX, I saw the XXXX statement with a XXXX amount reflecting a past due amount. I immediately called XXXX XXXX and made the payment promptly. 

XXXX XXXX did not support their client. I strongly believe their resistance to correcting this issue stems from my many issues with this company. They did not pay my mortgage insurance from my escrow following three notices from the insurance company. I have been open with my concerns with this company on social media. I ask that you consider their XXXX  rating. This company does not take care of their clients. They failed me as a loyal client. They failed me as a XXXX. 
I ask that my credit report not reflect the derogatory issue of being more than XXXX  days late on a payment. 

Respectfully submitted, XXXX XXXX
Product: Credit card or prepaid card

A charge of {$170.00} was made to my card I did not make or authorize charge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and I have multiple student loans ( for him ) through Suntrust. He has continuously be enrolled in school and will graduate this XXXX. They are putting on my credit report ( and reuining my credit score/ability to transfer balances ) that he/I are deliquent greater than 120 days because " the school did not send them enrollment information ''. Both my son and I have contacted Suntrust, XXXX, and the XXXX  ( school ) several times/several semesters. Also, for some reason, for 2 semesters-post XXXX, his XXXX did not go through-so Suntrust took it upon themselves to add it on to their loans. That is XXXX that should have been grants and XXXX that should have been federal loans per semester for 2 years!!!! They deny this. In the spring of 2020, my son received an email from XXXX that he got FULL CREDIT for all classess, dorm fees, food, etc, all charges, yet, Suntrust still has loans for that semester? He did not receive that money, the money was returned from the school, to the lender because the school was shutdown from XXXX. Suntrust denies this also. Suntrust also keeps adding interest on top on late fees and more interest to the original balances, that are incorrect to begin with, let alone to try to add late fees and interest on to someone's loans who is and has continuously been enrolled in school!!!!!!!!!!!! He has proof through his TRANSCRIPTS! AND WHO WOULD THEY BE PAYING! I have filed disputes with all three credit agencies, but this does not fix the real issue here!
Product: Credit reporting

They will not fix the problem and it hurting my credit score with credit applications and the information on all the accounts from Equifax are XXXX and from 2013. I have try to fix the problem with no avail, I have a lot of paperwork to justify my claims, from phone calls to sending out packages with the dispute. I just got a limited credit card from my bank and they told me that they were using the information from Equifax that stop my accounts in 2013! My accounts are active and in great shape!!!! Please give me an address to send the supporting paperwork and documents that I have!!
Product: Credit reporting or other personal consumer reports

I have been with this company for years and I have my payment plan set up on automatic payments and the company failed me by not taking out my payments automatically like they have always done and now I am left with a late payment on my credit profile..
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax report and noticed that I have been a victim of identify theft and found several credit inquiries that I have knowledge of. The credit inquiries are as follows : 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 Please remove these inquiries from my Equifax report. I have also attached the identify theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX 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.

15 U.S.C 1666b : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I did try to have Trans Union correct this error, however I didn't try with the reporting Company XXXX. I completely deny that this is my transaction.
Product: Debt collection

Collection Agencys : True Accord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX RE : Account Number Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform True Accord placed a false account in my name that I am disputing this debt. 

Please verify this debt he debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it because I am disputing this debt, they should not report it to the credit reporting agencies. 

Delete this debt from my credit reporting agencies. Reporting information that they know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe and they keep corresponding with me via US Postal service about a debt that is not mine.. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C 1692 ( c ) Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

National Credit Adjusters sent a letter stating that I owed {$2000.00} which was never taken out. The phone number given transfers to XXXX XXXX which refuses to provide information on the validity of the debt.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the XXXX XXXX XXXX Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : XXXX - XXXX : {$1300.00} Date of Account:XXXX2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a XXXX XXXX XXXX account open that's associated with my credit history. 

Based on the record, the account was opened on XX/XX/2022, and has a credit limit of {$6000.00}. 

I have never opened any accounts ( checking, saving or credit card ) with XXXX  XXXX XXXX. Thus the account doesn't not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with syncrony bank/ XXXX  XXXX that is in collections and showing up on my report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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: Debt collection

Express Recovery is reporting an erroneous debt on my credit file. They are reporting on my credit file for a debt that I dont owe, I am unaware of any debts that I owe because I have been working with the hospital & I have insurance as well as medical hardship. This debt should have never been sent to collection. This is erroneous and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. Trans Union, XXXX, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 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

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 XXXXXXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Debt collection

For the last two days, a representative from CarMax XXXX XXXX has called me before XXXX XXXX  and left voicemail. On Monday, XX/XX/2022, I was called by XXXX at XXXX am XXXX, and today, XXXX XXXX, 2022, she called me at XXXX am XXXX and left another voicemail. 

Ive had an auto loan with CarMax for six years now, and have never had a problem with them until this week.
Product: Credit reporting

I was alerted by XXXX XXXX that my credit was ran XXXX. I called XXXX and they were quite upfront and said they had already realized that fraud had taken place and I would not be responsible for anything. Someone in a different state with a different name used my social security number. They said that a letter was sent to Equifax to clear the inquiry. I have called Equifax numerous times and have initiated no less than XXXX disputes. They refuse to verify that the information they are reporting is accurate. I am at a loss on how to get this removed and neither company seems to want to look any further into the matter. My credit is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Hello, I wanted to report a fraudulent international transaction that was done using my XXXX account. 

Parties involved here : XXXX  ( an international money transfer service ) My bank : Fifth Third Bank. 

Today morning, at around XXXX CDT  I noticed a transaction of {$2000.00} that was done. 
Recipient was an Individual in XXXX holding a bank account with XXXX bank. 

Please note : this transaction was not done by me. 

Action taken from my side : 1. Contacted XXXX and informed them about this transaction. 
2. Emailed my bank about this transaction. 
3. Filed a report at identitytheft.gov Action taken by XXXX : 1. Deleted my payment method ( debit card ) 2. Cancelled another fraudulent transaction. 
3. Suspended my account. 

Action taken by my bank : As of writing this complaint, I don't know what action has been taken. 

Action taken by me : I did call my banks customer service and they provided me with another phone number which belongs to fraud/disputes department. 
I called fraud/disputes department of my bank but no response. My call was placed on hold for a long time. 
I have sent an email to my bank along with the dispute letter provided by identitytheft.gov Thanks, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Subject : Dispute of Inaccurate Information & Noncompliance Civil Liability Under 15 U.S. Code 1681o Dear cfpd I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the requirements of the **Fair Credit Reporting Act ( FCRA ) **, specifically Section **1681o**, which holds credit reporting agencies accountable for negligent noncompliance. 

On XX/XX/XXXX, I submitted a dispute regarding the following inaccurate entry on my credit report : - XXXX XXXX XXXX  - XXXX Reporting errors late payment, incorrect balance, or status Despite my dispute and the clear evidence I provided to demonstrate that the information is inaccurate, it appears that the credit report has not been updated accordingly. Additionally, I have not received any communication regarding the status or outcome of your investigation within the required time frame outlined under the FCRA. 

**Failure to comply with the FCRA**especially your failure to investigate the dispute in a timely manner, or provide me with a written responseconstitutes **negligent noncompliance** under **15 U.S. Code 1681o**. This section specifically provides that a consumer may pursue civil remedies when a credit reporting agency fails to properly investigate and correct inaccuracies in the consumer 's report. 

To summarize, my complaint is as follows : 1. **Noncompliance with the FCRA** : The failure to investigate my dispute within the 30-day period ( as mandated by the FCRA ).

2. **Failure to Correct Inaccurate Information** : Despite providing supporting documentation, the inaccurate entry has not been rectified.

3. **Failure to Communicate** : I have not been provided with any timely updates or the results of your investigation into my dispute.

I request that you immediately : 1. **Investigate** and correct the inaccurate information on my credit report.

2. **Provide a response** regarding the status of your investigation, including the results and any actions taken.

3. **Compensate** for any damages or inconvenience resulting from your negligence, in accordance with the provisions of the FCRA. 

Please find enclosed the supporting documentation I have submitted previously and again for your reference. I expect this matter to be resolved promptly, as per the FCRA requirements, and I request that you respond to this letter no later than 15 business days from receipt.

Should you fail to comply with the FCRAs provisions, I will not hesitate to seek further legal remedies available under 15 U.S. Code 1681o, which may include pursuing damages for negligent noncompliance. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/XXXX
Product: Mortgage

I applied for the unison program and was approved. The program is misleading, and the rep provided inaccurate information, added additional funds at the closing of the loan, and increased the share percentage without approval. 

Additionally, I was told I needed to pay off the loan and send a separate check provided by Unison to XXXX XXXX and if I did this, I will be able to refi. Unison has the cancelled check from XXXX. 

When I sent in a request to Unison for the paperwork needed for a rate term refi in 2021, I was told my loan balance was above the required limit for refinance and denied. Additionally, I was the only borrower on the application require to review the terms of the program, Unison says the have an educational document I signed, however the title in in both mine and my wife name. Unison did not provide any information or educational information to the other owner of the property and would not agree to any terms. 

I am requesting Unison to cancel the program and release me and my wife for the contract. Im attaching the emails and sending the same request to the FTC, DOJ, SEC and CFPB for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX twice requesting that they change the status of my exeter finance account due to the fact that I received a loan payment extension for the two months that show past due which are XXXX XXXX  and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that XXXX  did not contact exeter to verify the information and the status of the account. I also contacted exeter about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to XXXX for them to update my account but they refuse to do it. 

All I want is for the exeter finance account to be updated to show that there are no late payments and the account is current as of now.