23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX . 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 : Inconsistent Payment History Reporting : The payment history for this account is reported inconsistently across the three major credit bureaus. For instance, TransUnion, XXXX and XXXX show 30 and 60-day late payments for the same time period. 

On-Time Payments : I have attached bank statements and payment confirmations showing that all payments were made on time. The evidence provided contradicts the late payment information currently reported by the credit bureaus. 

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

Amount due XXXX, credit limit XXXX I was reported two payments late on a credit card, XXXX XXXX credit card. I do not dispute the debt or the amount due. 

The company changed the system in which I receive my monthly bill, I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via " XXXX XXXX ", I paid the amount due and discussed with employee XXXX # XXXX, who will make sure I recieve a paper statement he also waived one late fee. He was very helpful and a pleasure to deal with this afternoon. He could not help in reversing the late payments on my credit report, he gave me an address of XXXX XXXX, XXXX, Kentucky XXXX to write a letter to see if the company will resolve the issue I contend that I do not look at email from XXXX, I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.
Product: Credit reporting or other personal consumer reports

I DO NOT RECONZIE THESE CREDIT INQUIRIES AND I ASKED FOR THIS TO BE REMOVED, AND THE BUREAUS DID NOT DO AS I ASKED. I WILL PROVIDE PROOF OF AN XXXX XXXX REPORT, WHICH I WILL ATTACH TO THIS AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED FROM CREDIT REPORT BECAUSE THEYRE NOT ACCURATE AND NOT MINE, SO PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

These inquiries are not mine, and I have no association with the listed creditors. I urgently request that they be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXCurrent and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXCurrent and only phone number delete all others. 

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

I want my delinquent payments deleted from my XXXX  acct # XXXX. Under law 15 USC 1666 states you can not report delinquent payments on my credit report. I want them removed within XXXX hours of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 Sec. 602 states, I have the right to privacy! Under 15 USC 1681 Sec 604 ( a ) Sec. 2, it also states consumer reporting agencies can not furnish an account without my written consent or instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please be mindful that i have already filed an Identity Theft Report with the FTC as well which surprises me that you guys ( XXXX, equifax, XXXX ) haven't acted upon this yet.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, 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. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 




XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Debt collection

i have disputed this unverified items with the collection company they have not been able to verify the debt is mine and they are still reporting to credit bureaus
Product: Checking or savings account

Hello, i been having problems with PayPal,, this company ever since i opened it. I feel like i have been racially profiled.I had my goverment money coming into their account and they always freeze and i was assured the first time that it will never happen again. They are holding my stimulus package check in their account and everytime i get money from the goverment i have to verify myself. i need my money
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Venmo credit card issued by Synchrony Bank was closed on XX/XX/year>2024 overnight for no reason. When I called customer service XXXX at XXXX on XX/XX/XXXX, a XXXX XXXX XXXX XXXX told me the bank forfeited my {$290.00} cash back and that makes perfect sense.
Product: Credit card or prepaid card

Back in XX/XX/2022 I called them and told them that there was an illegal inquiry on my report and I did not authorize it to be placed on my report or give my information to anyone to get this card and they promised to have it removed in XXXX months and the hard inquiry is still on my report and it has now been XXXX months and it has not been removed.
Product: Debt collection

I reviewed my credit report and saw a company called Kay Jewelers reporting that I had an account with them and that I owed them money for something i knew nothing about. I immediately contacted the credit bureaus and informed them of the fraudulent account on my credit report. I also contacted the Federal Trade Commission and filed an identity theft complaint. The credit bureaus informed me that they sent the information to Kay Jewelers about the identity theft but Kay Jewelers continues to report this fraudulent account to the credit bureaus.
Product: Credit card

I opened a dispute with Chase regarding an item I bought on XXXX that I never received. I ordered two items on XX/XX/, the order total was over XXXX XXXX but the item that I didn't receive cost {$180.00}. A month or a couple of months after opening the dispute, chase sided with the vender. With the vender 's argument being that the address the item was delivered to is the address several items bought from XXXX have been delivered to, thus it is an authorized address and the item was delivered. 

Both of these items required a signature from me upon delivery. I signed one, only one. Please request the signatures or verification of who it was delivered to from XXXX and it will proof that I only signed for one of the items and only received one of the items, not two as Chase & the seller are stating. 

The Tracking ID # are listed in the letter I received from Chase, second page. 

Thank you.
Product: Debt collection

I had a personal loan with a credit union and it went delinquent and I eventually paid it off with the collection agency they gave it to. They ( the credit union ) keep saying I owe {$210.00} but the collection agency shows that I am paid in full ( they sent me emails stating such ) The credit union said that they have to give the collection agency part of the money I paid so theyre out of the money and that I need to pay the {$210.00} to make the credit union whole. Even though I paid this already.
Product: Checking or savings account

On or about XX/XX/28 I sent in several transactions that I either had merchant issues or fraud disputes I had originally sent the dispute to my personal banker XXXX XXXX. which it stated on their website is an option. She did not return a call in regards to my message for 21 days. By that time I had contacted the disputes department to get my problem solved. The call was taken easily. I received paperwork and was required to Pay a notary to notarize my dispute. The branch did not have a notary working, so I wasted an hour driving to the nearest location to me as instructed then having to find a notary of my own. I never received any further information of person that information by fax and mail. Were just about 60 days in I have received no temporary credit to cover the disputes. I keep no money in this account but occasionally somethings slips through and further adds fees. However if the money that shouldve been returned my account weeks and weeks ago were there these fees would not be there. Cell my complaint is I have tried to call XXXX XXXX as listed on their website that I can do in regards to my dispute, But she said XXXX unable to do anything and then I have to call the dispute phone number. I have called three times in the last week each time on hold for an hour and at approximately one hour their system hangs up my call.

1. I need bbt to do what theyre supposed to do.

2. I need my money. 
3. I need itll be able to communicate with my bank.

4. I want this to all be over because now I need to close my account because this is a nightmare. But Im Held hostage to this Account for the time being.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolutions process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information that needs to be taken off my report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to a data breach, and I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or accessed without my authorization using my stolen information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Many accounts were opened since XXXX 2015, due to Synchrony Bank 's failure to conduct proper process and procedures relative to granting credit. For months, Synchrony Bank has failed to cease opening fraudulent accounts in my name that incur criminally-based purchases. A review of my activity within the Institution clearly indicates a consistent stream of accounts that were opened even though the Bank was officially notified of my identify fraud situation. I filed police report information with the Bank and was promised profusely that this harassment would end. The lack of professional ethics and negligence by Synchrony regarding granting consumer credit is astounding. Security freezes, one 's prior history of improper Bank activity relative to her or his good name, overt warnings on all credit reports identifying not to extend credit without direct contact, and repetitive pushing back fraudulent charges, appear meaningless as Synchrony extends credit to the exact address placed in the police report. 
As an American citizen, I am appalled. The Bank seems to litter unsecured credit wherever it can ; therefore, I can not believe that I am unique in this credit-approval processes. To think that it appears meaningless to write-off all these purchases, thus, forcing the American public to 'eat ' the Bank 's poor business practices, reinforces the cultural image of distain for this industry. 
The countless hours of filing reports, writing letters, and telephone-holding with both credit bureaus and the Bank 's Fraud Department trying to remedy Synchrony 's inappropriate use of my identity sincerely contributes to being a victim of a major crime.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report number XXXX XXXX XXXX account number-XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - account XXXX XXXX U S DEPT OF EDXXXX- account # XXXX XXXX  XXXX XXXX XXXX  - account number- XXXX XXXX XXXX XXXX-account number-XXXX XXXX XXXX XXXX- account number-XXXX XXXX XXXX- account number-XXXX XXXX XXXX  account numbers- account # XXXX XXXX XXXXXXXXXXXX XXXX XXXX-account number XXXX XXXX XXXX- account number XXXX Please investigate if every piece of information is correct They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.
Product: Debt collection

I just received notice of this medical bill this year and this bill was dated XX/XX/2019 and I had insurance and never received a bill contact my insurance and was told it has reached the statue of limitations because they should have filed it on my insurance do the debt can't be paid and why they wait 4 years to put it into collections and I never received a bill for this debt in XXXX
Product: Debt collection

XXXX XXXX bought a old cc debt in 2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX   & XXXX the thing about is it is out of statu in the state of Arkansas
Product: Checking or savings account

I have a room and board service one of my clients that I evicted got upset and called the bank and told them he never authorized none of his payments. Which was totally inaccurate he set the chase account to XXXX his rent payment because the financial institution he was with previously denied him services because of his behavior.
Product: Debt collection

I am being sued for {$2500.00} from Midland Credit Management for an account from the Original creditor : XXXXXXXX XXXX .I have recieved no phone calls about this account and i have changed addresses so i have not recieved any mail about this account.The first i heard about it was when i was served a court summons. I am living on XXXX payments and have no other source of income.I do not own a house or property and have no savings so there no way i can pay this.Now they sent me a court summons to appear in court on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX XXXX XXXX XX/XX/year>. my SS is XXXX i live at XXXX chelton XXXX XXXX and i have reason to believe that a check from the united states government was stolen from me. I believe that the check was intercepted and was sent to an address that i no longer reside. unfortunately some of the individuals that took part in the fraud were my own family members. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all deposited funs from the check in one way or another. and i suspect other checks too. If you could look into the matter i would be appreciative. 

XXXX XXXX XXXX.
Product: Checking or savings account

This is a continuation from my previous complaint and that is I forgot to mention that in the process of me going out of town when my father passed  away I lost my wallet no I didnt report it the police due to I was going through so much at the time with the passing of my father. I really hope that youll can resolve this situation with XXXX  and XXXX XXXX so that I can open a regular bank account as soon as possible.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX XXXX XXXX. I have a problem with the banking entity, XXXX. My money is being withheld. The advisor, XXXX XXXX, makes fun of me. She doesn't give me an answer. She has the amount of XXXX dollars withheld from me. They asked me intimate questions about me. I have to explain to them. I'm XXXX and my partner gives me the funds, you don't want to give me the money, they don't answer every time I call, they make fun of me, the manager doesn't want to talk to me, in short, they want to steal the money.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent XXXX and Experian a letter to remove inaccurate information from my credit report. Per the FCRA, they are required to do a reasonable investigation within 30 days of receipt of this letter. I have yet to receive an update and they have failed to remove the inaccurate information from my credit report. 

My letter to both companies states : I recently pulled a copy of my credit report dated XX/XX/2024 and I noticed an account that no longer belongs on my report. This account is part of a Class action Settlement Lawsuit that I am a part of, I demand that this account be REMOVED immediately. XXXX XXXX violated UCC Code by : False reporting to a credit bureaus. XXXX was involved in a $ XXXX Class Action Lawsuit and there was a judgement passed down stating that any derogatory information associated with this company has to be removed from consumer records and there was also predatory lending and unfair treatment of consumers. This account has stopped me from getting approved for a mortgage and other credit extensions. 

I am listing this account below in case you need to verify it prior to REMOVING it. 
1. XXXX XXXX 2. Account Number : XXXX XXXX. Reason for dispute : This account is to be deleted by grantor because of a class action lawsuit.

4. REMOVE FROM MY REPORT -15 U.S. Code 1681 is a section of the U.S. Code that includes congressional findings and a statement of purpose. The section includes the following findings : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports can impair the banking system 's efficiency.

Unfair credit reporting methods can undermine public confidence in the banking system.

-As per the UCC , 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

-As per the FCRA, you are required to do a reasonable investigation within 30 days of receipt of this letter.

I hope that your company will take this serious so that I don't have to make further complaints. 

XXXX XXXX