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

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX  Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( XXXX ) , XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( TransUnion ) are erroneous and do not align with my actual payment history.

Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I tried to log into my checking account through Bank of America. It did not work, so I called the 800 #. The person told me that the account had been closed and they did not have to disclose why. I asked several times to speak with a supervisor and they told me no. They said they would be sending my account balance in the mail by check in 7-15 business days. I decided to make an appointment with a manager in a branch. The manager told me that all he can tell me is that due to online activity/purchases. He looked at the account and couldn't even figure out why they would close it but said that corporate does this and they have the right to do it without notification. 
I am a XXXX XXXX XXXX young man working and paying my own bills. I do not think this is fair in the middle of a pandemic, to close an account without basis for doing so, and without notice. I did not have access to any money and I was not near my home. What would I have done if needed food or gas. This is completely inappropriate and should be investigated. I have read multiple stories online about others going through the same thing. How many people has Bank of America done this to? What if it were an older person who couldn't get out of the house to go to the bank to fix it?
Product: Credit card or prepaid card

I signed for a " Chase Offer '' that stated I would receive " 10 % back on your XXXX XXXX purchase with a {$21.00} back maximum! '' After seeing this offer, I made a online purchase of {$210.00} for three pairs of shoes from XXXX assuming I would receive {$21.00} back, as per the offer I accepted. A pending charge of {$210.00} appeared on my account on XX/XX/19. On XX/XX/19 a pending credit appeared and on XX/XX/19 and XX/XX/19 three individual charges from XXXX totaling {$210.00} were posted to my account. 

XXXX a single credit of {$8.00} was posted to my account. This was 10 % of one of the three individual charges. On XX/XX/19 I sent a secure message to Chase with images of ( 1 ) the offer ( 2 ) the single order I placed with XXXX XXXX, ( 3 ) my account activity showing the original charge and credit. I requested the remainder of the offer to be credited to my account. On XX/XX/19 I received a reply from Chase stating " I reviewed your account and the information sent. I understand that you purchase the item together totaling the {$210.00} but it look like the merchant was not able to send all the item at one time. The offer is valid one time offer and applies to the first purchase posted. '' I followed this up with a telephone call but the agent indicated he couldnt help me and nor could XXXX XXXX as they wouldnt be aware of this offer. If XXXX XXXX had not split the charge I would have received the full 10 % back ( up to {$21.00} ). 

I am asking for your assistance in encouraging Chase to honor the offer they made and I accepted. It was not in my control how XXXX XXXX decided to ship and create this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted all XXXX credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called diversified consultants inc. ( DCI ) located in Florida regarding a debt collection from XXXX XXXX for {$470.00} and they informed me that I owed that money as my last bill statement. This account has been reported 4 times to 3 different collection agencies and it was successfully removed in the past. XXXX XXXX can not charge me for an item that they said I should not bother paying for since the receiver was free and at no charge to me. When I moved out or my old apartment in 2014 I left the equipment there and called them but the representative told me not to worry because I am not responsible to pay for the free equipment.
Now the new collection agency- DCI were there threatening to damage my credit with this report. DCI actually denied ever reporting it on my credit report, but that was completely false because it 's on my XXXX and XXXX report.
They just want to force me to pay {$470.00} and refused to remove the account from my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested In processing disputes on my credit report with transunion to delete an remove all inaccurate data that is hurting my file an causes errors across credit file. please review and delete the invalid information that is currently on my credit report to clean my file asap.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an urgent and final notice regarding the severe compromise of my Social Security number, leading to my identity being stolen and fraudulent information appearing on my credit report. I have already filed an FTC Report, which is enclosed with this letter. I expect immediate action from you. Under 15 USC 1681c-2 ( a ), you are legally obligated to block and remove any information associated with identity theft from my credit report within four business days of receiving a valid complaint. I demand that you comply with this law immediately. 

Fraudulent Account Information : XXXX XXXX XXXX XXXX XXXX - The Equifax data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX - XXXX The Equifax XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

CREDITORS DISCOUNT amp A - XXXX The Equifax XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

CREDITORS DISCOUNT amp A - XXXX The Equifax XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXXXXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXXXXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXX Experian Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Experian Customer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX XXXX have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : Experian I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Experian thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

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

To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Checking or savings account

I opened an account with Truist Bank. As soon as the account was opened, I deposited a cashier 's check made out to my company on XX/XX/year> from XXXX XXXXXXXX XXXX in the amount of {$47000.00}. The next day, the account was simply frozen and I no longer had access to it. After that, I went to the bank every day trying to resolve the issue, and no one helped me. Furthermore, they treated me very poorly. After several calls and attempts, on XX/XX/year>, an attendant informed me that I would need to wait 7 business days for them to review my account. On the date, XX/XX/year>, no one resolved my issue ; they informed me that they would not give me a time frame to resolve my account. On XX/XX/year>, they told me that they needed proof that the check from XXXX XXXX XXXX was a real check. So, I went to the bank and got all the documentation to prove that the check was genuine. I received it and took it to Truist Bank on XX/XX/year>. It's been almost a month and they haven't resolved the case. They have no plausible reason to hold my money. They accused me of fraud. My monthly bills are late, my payment commitments are late. I can't sleep. I'm in emotional trouble. Months have passed and the bank has not bothered to resolve this. They don't care about the customer. They just took my money and are keeping it of their own free will. What do I gain from this? Today is XX/XX/year>. I called the bank today and nothing has been resolved. There is no deadline and there is nothing they can do. Is this right, Truist? Is there any authority that can help me? Because I don't have the strength to continue, I don't know where my money is. I don't have access to the account. I went to three branches and no one resolved my problem. I spoke to more than 15 attendants. I called and no one helped me resolve anything. They did not give me a set deadline for the analysis and they did not release my money. CASHIER CHECK INFORMATION Transaction Number : XXXX Cost Center : XXXX - XXXXXXXX XXXX  INFORMATION : Account Number : XXXX Routing Number : XXXX I will attach all the original proof that the XXXX XXXX XXXX gave me proving the originality of my check. In addition, I am looking for a good lawyer to receive my rights as a citizen, I need to repair my differences that I had with this bank.
Product: Checking or savings account

Citibank debited my checking account for 2 fraudulent checks. The checks were ( A ) dated over two years old ( B ) were already paid by Citibank two years ago ( C ) The checks were made out to the same person. The 2 checks actually have the same check number! Citibank paid it twice. Citibank 's response is that I must contact the payee who is unknown to me!
Product: Debt collection

I recently checked my credit and found duplicate reporting of accounts. This is absolutely illegal. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has been handling my mortgage account fraudulently. The matter is in Federal District Court XXXX Massachusetts. I have a docket number but will not leave that information here as you requested. We do not have a court date at this time I am assuming due to the backlog in federal court. Due to the nature of The potential outcome of this case that the credit reporting agencies refrain from putting up any type of negative comments regarding my mortgage and alleged foreclosure as this has not been proven to be factual. This is hurting my credit unnecessarily at this time. If more information Such as a court docket number please let me know all information as documented with the Federal District Court in XXXX Massachusetts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it.

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it.

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information.

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Checking or savings account

On XX/XX/XXXXXXXX  T D bank employee had given access to my locker box # XXXX without my permission. All my savings and personal items was stolen. When I went to access on XX/XX/XXXX I see someone else signature. There was back and fourth investigation with my full coopertation. With so many requst from my side there was no answer from Bank. I contacted O C C. They did investigation and made bank GUILTY. I hired Attorney Paid so much money to solve issue although its not my fault. 

T D bank attorney Has never responded with any answer or reply untill now. I an XXXX XXXX XXXX. I been so upset & depressed.. Has been not able to work or communicate with any one in proper manor. 
If I get some help or direction I will really appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account below has been deleted from my credit report twice and readded. i have provided in a past the XXXX XXXX for this debt. it should be de ; letd again from my report. it is also more than 7 years old. not sure what equifax is doing on credit reports but alot of the information on my report is missing or readded debts that are mines. 

XXXX XXXX {$7600.00} Closed Overview You 're currently using 254 % of your account 's limit. 
Balance {$7600.00} Credit limit {$3000.00} Minimum monthly payment {$7600.00} Opened XXXX XXXX, XXXX ( 6 yrs, 5 mos ) Payment History Youve made 71 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$7600.00} Worst Payment Status No Info Account Details