23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XXXX XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my Visa " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had XXXX credit product, a Visa card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the Visa account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account ( " loan '' ) : I provided that documentation ( "  transaction record '' ) to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, through XXXX XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX XXXX has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX XXXX XXXX XXXX. The account was closed XXXX of XXXX, yet Equifax is reporting that it was closed in XXXX XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter concerning TransUnion case : XXXX, Chapter XXXX Bankruptcy. 

On XX/XX/XXXX TransUnion sent me a response stating that the above item was " verified '' stating that they or a " third party we hire '' check " applicable court records ''. 

On XX/XX/2021 I contacted TransUnion knowing that the previous dispute letter sent on XX/XX/2021 had correspondence from the Court stating that they do not report to credit reporting companies. Despite this XXXX said the the Court verified the item. This was on XX/XX/2021 at approx XXXX EST. 

I was then transferred to a XXXX XXXX who claimed to be a supervisor ( around XXXX EST ) who stated that the Court verified it. After discussing with him the correspondence I had from the Court, revealing their lie he then said it was a third party they hired. 

I asked for the name, address, and phone number of this third party vendor in connection with this investigation as per The Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 6 ) ( iii ) states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including business name and address of any furnisher of information contracted in connection with such information and the phone number of such furnisher if reasonably available. 

He denied me this information, I was then told that I would be transferred to someone else but instead the line was dropped. I called back where I spoke with XXXX ( around XXXX EST ) who would also deny me information that would help me get clarity on how they " investigated '' my dispute in this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX
Product: Mortgage

XXXX XXXX XXXX, then changed to Nationstar and now Mr. Cooper, did not credit all the payments made to them, evidenced by my XX/XX/XXXX-XX/XX/XXXX mortgage interest statements. Instead Mr. Cooper states the mortgage was not paid after XX/XX/XXXX but yet, my mortgage interest statement dated XX/XX/XXXX showed an actual escrow balance of {$5100.00} with a surplus of {$3000.00} based on the XX/XX/XXXX-XX/XX/XXXX payments that had been made. This is an example of faulty record keeping.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts : XXXX I am filing a complaint against XXXX XXXX, TRANUNION, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). OPPLOANS/FINWISE has reported a charged-off debt to XXXX, TRANSUNION, and XXXX XXXX my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX , Inc. ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. XXXX actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debtXXXX XXXX ) is engaging in deceptive conduct that harms consumers ( Me ). FurthermoreXXXX XXXX  has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX improperly disclosed my personal information to credit reporting agencies, specifically XXXX, TRANSUNION, and XXXX without my permission. Additionally, OPPLOANS/FINWISE has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, TRANSUNION, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to access my own report on Experian.com I disputed in writing 90 days ago and got a post card with website address to dispute which DOES NOT work and REDIRECTS ME TO THE PHONE # S which is a 1-2 hour hold then answer to all personal questions. The agent has the nerve to ask if I'm a " BOY OR A GIRL .... '' because he said I sounded like a girl .... why does it even matter and is it part my credit report and Experian MUST know????? when we finally got to the dispute part he tells me that I need to enroll for a $ XXXX/mo credit monitoring to be able to dispute information on my report. He said " free disputes are being taken away by Experian and consumers no longer can dispute on line or in writing unless they have a paid subscription ... '' THIS IS EXTORTION .... CONSUMES SHOULD HAVE A CHOICE IN PURCHASE AND SHOULD HAVE FREE ACCESS TO HIS/HER OWN REPORT ....
Product: Credit reporting or other personal consumer reports

Trademark Infringement It has come to my attention that XXXX, Equifax, XXXX, XXXX XXXX, and XXXX XXXX, XXXX  XXXX XXXX and XXXX are attempting to make an unauthorized use ( s ) and also trespassing on my private intellectual property being the Trademark : XXXX XXXX Under federal registration laws. I am the owner of the trademark XXXX XXXX, Currently with the United States patent and Trademark Office under the following registration number XXXX. Therefore, I have the right, including but not limited to restrict, prevent or limit the use of our trademark in order to protect it against any misrepresentation. 
I hereby demand that all entities mentioned above immediately cease and desist in any additional use of my trademark. If you fail to comply with the aforementioned demands ( s ) within XXXX hours, I will have no choice but to pursue all legal causes of action
Product: Credit reporting or other personal consumer reports

Complaint Against : XXXX Experian XXXX XXXX of Complaint : Violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate personal information ( incorrect names and addresses ). 

Description of Complaint : I am filing this complaint against XXXX, Experian, and XXXX for reporting inaccurate personal information on my credit report. Specifically, they have listed incorrect names and addresses that are not associated with me. This incorrect information violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate and complete information in consumer credit reports. 

Under FCRA XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are required to investigate disputed information and correct or delete any information that can not be verified as accurate within 30 days of receiving a dispute. Despite my previous disputes regarding these inaccuracies, the agencies have failed to remove the incorrect names and addresses, which continue to appear on my credit report. 

Correct Information to be Reported : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Debt collection

XXXX Claiming I owe US Bank XXXX. Have never ever dealt with us bank. Rude, threatening, obnoxious
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$36000.00XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XX/XX/2022
Product: Bank account or service

Money was taken out of my Wells Fargo account fraudulently XXXX and the purchase was made at a XXXX. I reported it to Wells Fargo who supposedly have give their customers XXXX liability against fraud. I called it in and was told I have to wait XXXX before I could even get a temporary credit back while they investigate when other banks automatically put the money back. I agreed knowing i never used the card as I was at work at the time the card was used. 10 days later they sent me an email denying my claim saying because i had my card there was nothing they could do about it. I read online and MANYYY customers have the same problem with them. I did not make that purchase and I need for wells fargo to honor their promise of protecting their clients against fraud. I have never had this issue with XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

we fell behind on payments about 18 months ago. We had modified the loan but continued to struggle due to health issues, loss of employment, and a missing teenage child. We kept in contact with Wells Fargo Mortgage the entire time. After 3-4 missed payments, we called to make a payment and were told to pay full amount. we were unable. We tried to modify again and were denied. Several months later we were sent a letter about being in foreclosure and to call for help. we called and were unable to get help. they also never served us with the foreclosure documents. they left them under a door mat, which we did n't see for months later. We then did some research and decided to apply for a program called Floridas Hardest Hit. We were approved for Florida 's Hardest Hit program and Wells Fargo was notified, during the application process for this program i called wells fargo and notified them of the program and requested an exact statement of everything owed. We received a statement with a balance owing just over 17k, this is what we submitted to Fl Hardest Hit. I received a call on XXXX/17 that they were sent XXXX but i owed an additional $ XXXX.which i had 10 days to pay. i asked where that amount came from since my statement i requested stated XXXX and even had a line item stating attorney fees. I asked for an itemized statement of this {$6900.00} and was told they just had as a balance owed and couldnt help me further. meanwhile. every 30-60 days i am spending {$50.00} to go to court and ask for extension after extension, during this time i kept asking for the detailed balance and what was for. i was told that it was in foreclosure and could n't receive statements. Meanwhile, I turn in all closing documents to Fl Hardest Hit. I receive a letter from wells fargo they receieved approval and discontinue any further payments as they would be getting payments from them. I finally think the nightmare is over and then I get a call 2 weeks later that the payments was returned and they wanted the {$6900.00} first. I finally get a hold of a XXXX XXXX in the customer care team and im told she will investigate. I have 3 other conversations with her that all end in the same way. I finally receive a letter that basically states the {$6900.00} is owed for fees.and escrow. even my past statements included all fees and escrow payments and still there was no balance including the extra {$6900.00}. This is my final resort.I have even contacted wells fargos attourneys office via email and phone several times, asking for this as well as to put the XXXX at the end of the loan, at the end of the program or make a payment arrangment with us. nothing has been done in months. I can not lose my home. I have a sick child on XXXX XXXX, Wells fargo refuses to disclose all fee 's and charges to me. i have to go once again to court and ask for an extension, pay {$50.00}, and get nowhere with the judge or wells fargo. i now have to re-apply and re-do everything for Fl hardest hit since its been so long since original application. They ( wells fargo ) are breaking many FL statues and regulations by not disclosing the requested documents to us.
Product: Credit card

Bank of America closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a report on my Credit that says I took out a loan in that state but used a XXXX ID card. Property that was lost in a Self Storage.
Product: Credit card

I kindly request that you commence an investigation into these documents, as they erroneously indicate that I have been late on accounts I have always paid on time.
Product: Credit reporting or other personal consumer reports

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



Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found these fraudulent and unauthorized inquiries reporting on my credit report on Equifax, XXXX and XXXX. Here are the following fraudulent inquiries that must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2018, {$2900.00} was transferred ( via EFT ) from an account at XXXX XXXX XXXX to my Citi Mastercard account ( at that time ending in XXXX ; now ending in XXXX ). This money was transferred to me by the owner of the XXXX XXXX XXXX account for two purposes. First, these funds were to be used by me to purchase equipment using my Citi Mastercard. This equipment was to be sent by me to a company address that the XXXX XXXX XXXX account owner would forward to me at a later date. Second, part of this money was compensation to me for consulting services provided to the owner of the XXXX XXXX XXXX account. After receiving the EFT, I purchased two XXXX XXXX, as requested to the owner of the XXXX XXXX XXXX account. All of the details regarding this transaction are documented in several emails between the XXXX XXXX XXXX account owner and me.

These funds were in my Citi Mastercard account for approximately two months. Then, on XX/XX/2018, Citi sent my money back to the XXXX XXXX XXXX account without contacting me first, and, obviously, without getting my approval.

On several occasions ( in writing and on the phone ), I have asked Citi why they sent my money back to this account without contacting me. Citi has never given me an answer to this simple question. By sending my money back to the XXXX XXXX XXXX account, Citi basically helped to facilitate a scam. Or, put another way, if Citi had not just sent my money back to the XXXX XXXX XXXX account, this scam could not have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I cancelled services with this company back in XXXX of XXXX sent equipment back in XXXX. They received the equipment back and someone at the company mistakenly sent more equipment out to an address I no longer stayed at. I contacted the company they apologized and stated they would get this taken care of and remove the bill. XXXX agreed this would be taken care. a month went by and I got a bill notice so I reached out again they apologize again and said they would remove the charges and it won't happen again. now this is the final straw as they have forwarded this debt to a debt collection company for an amount I do not owe
Product: Credit reporting or other personal consumer reports

I made a payment to pay down my balance like I always do on XXXX the XXXX. 2 days later XXXX  reported to the credit bureaus that my balance was still almost {$900.00} more and they did not include the payment that I made. Now on all my credit reports it's showing that my balance is over the limit and it's not and it made my XXXX XXXX drop XXXX points in XXXX day.