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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : Original Creditor : ) XXXX, XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I had a car that was impounded during a snow emergency in XXXX DC while I was traveling internationally. It was technically a repossession because the creditor had to pick the car up. The repossession occurred XX/XX/XXXX and i picked up the car XX/XX/XXXX. The car was paid off XX/XX/XXXX. The repossession comments are still being sent to the credit reporting agencies even though this was over 7 years ago now.
Product: Debt collection

XX/XX/XXXX/XX/XX/XXXX, Square Two Financial ( now CACH , LLC ) purchased a debt, which they somehow matched on my name, and in spite of more than a dozen attempts to have them resolve the bad data, they not only continue to report this on my credit, but are now fabricating fictitious dates of service to circumvent fair credit reporting laws. 
The company, in spite of multiple certified letters, numerous phone conversations, and the filing of a police report for identity theft, continues to fabricate false date information, change account numbers, and repost the fake debt on my credit report.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported information is accurate, complete, and verifiable. Below, I have detailed the specific inaccuracies and the relevant legal violations : 1. Inconsistent Account Details Across Bureaus : The Account Type Detail varies across bureaus, with TransUnion and XXXX reporting Auto Loan, while XXXX incorrectly reports Recreational Merchandise. This inconsistency violates 15 U.S.C. 1681e ( b ).

2. Incorrect Loan Terms : The number of months ( terms ) is reported as XXXX  by TransUnion and XXXX but as XXXX by XXXX. This inaccuracy misrepresents the account. 
3. Late Payment Reporting on a Closed Account : Late payments ( 30-day ) are reported on a closed account with a {$0.00} balance. If these marks are inaccurate or unverifiable, they must be removed as required by 15 U.S.C. 1681i ( a ).

4. Misleading Comments : The comments differ across bureaus, with XXXX including Closed or paid account/zero balance while the others state Closed. This creates confusion and may mislead potential creditors.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit reporting agencies ( CRAs ) must follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies in terms and account details violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If these issues have been previously disputed and not corrected, the CRAs may have failed their duty to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting incorrect details or failing to update resolved disputes.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Derogatory marks ( e.g., 30-day late payments ) should not appear if they are inaccurate, improperly validated, or reported past their permissible timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX and Experian and have disputed items with them informing them that it was identity theft. They did not send me any information informing me that anything was accurate and things remain on my consumer report. They refuse to delete it. According to 15 US Code 1681 I did not give permissible purpose or for any of the following to be reported on my report. I have the right to privacy. I have not signed anything giving anyone the ok to publish my information on my credit report. This needs to be deleted at once. 
XXXX XXXX XXXX who claims they do not report to the credit bureaus. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX child support and XXXXXXXX XXXX child support these items need to be removed at once
Product: Debt collection

I get repeated calls on my new XXXX XXXX number. Most are recorded so when I answer I ca n't speak with the caller.
Product: Debt collection

With reference to Section 609 of the FCRA Act, I would like to request further information On the following item as recorded on my credit report. 
The report records that for XXXX XXXX XXXX is a collection agency for And l requests the ORIGINAL documents for this information containing my appended signature and any other related information. 

the company has not reached out to me to send the ORIGINAL paperwork with my signature on it. NOT A COPY but the original paperwork.
Product: Debt collection

The account THE BEST SERVICE CO/XXXX  with account number # XXXX is still reporting this collection account to XXXX  Credit Bureau while the XXXX and XXXX already deleted it. This account should be delete also in XXXX since this was closed and dispute was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom it may concern, ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to  section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

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

This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in   XXXX   so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
Product: Credit reporting, credit repair services, or other personal consumer reports

Four and a half years ago in the summer of 2017 I applied for a master 's in finance program at XXXX XXXX  XXXX & XXXX. I was told I couldn't start the program because I hadn't finished some prerequisites. A week before school started I was informed that I was actually going to be allowed into the program. I signed up for classes and signed up for financial aid where I was then informed I could not receive financial aid because I had not finished those prereqs and I wasn't fully accepted into the program. I then dropped out of the program that week because I had no way to pay for it. They charged me a 20 % fee even though I never attended a class and I dropped the classes one week after being admitted into the program and immediately after finding out I wouldn't receive financial aid, thereby I would have no way to pay for school. 

Eventually this ended up on my credit report where I was then able to dispute it and it was removed due to these circumstances. They have since sold that debt to another company and again 3 years later it shows up on my report. I've tried disputing it again saying what happened and saying it's already been removed, but I can not get it removed again for some reason. This is unfair being on my credit which otherwise is very good. And is very disheartening because I've tried very hard to keep my credit strong. Please help me remove this from my credit reports. Thank you.
Product: Credit card or prepaid card

Capital One Dispute Case : XXXX Case : XXXX Response : On XX/XX/XXXX, due to a glitch in the app I was using ( XXXX ), two hotel reservations were processed that I did not intend to make. The first hotel reservation charge was for {$190.00} for XX/XX/XXXX, and the second reservation charge was for {$390.00} for XX/XX/XXXX. 

I initially attempted to contact XXXX directly to cancel these reservations as I had not authorized them, but unfortunately, they did not have a customer service line. 

I then proceeded to contact both hotels where the reservations were done to attempt to cancel the reservations but was told that they could not do anything about the situation and to contact the third-party app. 

After not being able to cancel the pending charges, I contacted Capital One on XX/XX/XXXX to block these transactions as I never gave authorization and/or permission for the reservations. Capital One stated that I should let the transactions be processed instead of blocking them and that I could call again after and submit a dispute. The disputed transactions were processed on XX/XX/XXXX. On XX/XX/XXXX I submitted a dispute with Capital One and was given provisional credit for the total of the 2 transactions ( {$590.00} ). 

On XX/XX/XXXX, I received a letter stating that the provisional credit had been reversed stating that the merchant had sent documents showing their cancellation policy and I was asked to show proof of my attempts to cancel these reservations., I immediately contacted Capital One via phone and explained that I had no evidence of my attempts to cancel the reservations based on the facts as stated above. The customer service rep. did acknowledge that their records did show that I called on the XXXX and corroborated that I was told to let the transactions be processed and then submit a dispute. I submitted my statement as evidence but was told it was not enough and Capital One closed my dispute and told me to resolve the issue with the merchant. Capital One should have blocked these transactions in the first place as I called before the reservation dates and they ended up both being no shows.
Product: Credit card or prepaid card

Back in XXXX my wallet was lost/stolen along with my cell phone. I was able to recover my cell phone, however wallet was never recovered. I contacted all of the credit cards that were missing once I realized my wallet was lost/stolen. I had several XXXX in charges across a couple of my credit cards which were resolved promptly and received my money back. Barclay 's ( Old Navy ) credit card has sided with the merchant stating the transactions were valid and authorized which the were not. There were 3 transactions that were charged on my account between XXXX XXXX XXXX and were all done at XXXX XXXX . I have contact Barclay 's on several occasions and everytime I called they added more items to a list of items needing to be provided to them. I filed a police report, gave a written statement and also provided a letter Barclay 's sent back on XX/XX/22 stating my case was resolved in my favor. I was later told this was sent in error. Barclay 's fraud team has been extremely unhelpful and does not have clarity in their process and now are requiring me to pay over {$2000.00} of unauthorized charges.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by TransUnion for Account XXXX Dear CFPB Team, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation.

PAANL Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle.

Summary of Errors and Discrepancies for Account XXXX TransUnion Late Payment : A XXXX late payment was inaccurately reported for XX/XX/XXXX. 
High Balance : Reported as {$XXXX}, differing from other bureaus. 
Last Verified Date : Marked as XX/XX/XXXX, inconsistent with other bureaus. 
Closed Date : Listed as XX/XX/XXXX, different from other reports.

Dispute Status : Marked as " Account not disputed, '' despite prior disputes submitted.

Account Remarks : Incorrectly states " Canceled by credit grantor. '' Two-Year Payment History ( Late Payment Dates ) : Reported a XXXX late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the bankruptcy entry on my credit report, listed under the following details : Bankruptcy Case Number : XXXX Filing Date : XXXX I am requesting that you provide me with the method of verification used to confirm the accuracy and legitimacy of this bankruptcy entry. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request this information. 

Please provide me with the following : The name and contact information of the person, business, or organization that verified the bankruptcy. 
The specific documentation that was used to verify this bankruptcy. 
An explanation of how this verification process was conducted. 
I appreciate your prompt attention to this matter and request that you respond within 30 days of receiving this letter. If the bankruptcy can not be verified, I expect that it will be removed from my credit report immediately. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

I went online to pay my mortgage but when I noticed that my payment increased by {$700.00} a month. I called NationStar to ask them what is going and they told me that my Escrow is short and I need to pay {$6200.00} to get back on track. I told them I do n't know what they are talking about because I have been paying the same amount since XXXX with no problems and now all of a sudden my Escrow is short that much, HOW. They said that they wrote me a surplus disbursement check for {$4200.00} last year and my Escrow has been in the negative since and now they want me to pay {$6200.00} back to them. This is not right. Mortgage companies should not be able to treat people like this. I need to speak with someone with mortgage knowledge to advice me what to do. NATIONSTAR/MR. COOPER is a XXXX company trying to take money from my families mouth because they screwed up I feel I should not have to pay for their mistake, since I called them multiple times about that check and the manager assured me that something like this would n't happen and demanded I cash the check.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting 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 ), Section 809 ( 15 U.S.C. 1692g ), I am formally disputing the following unauthorized and inaccurate collection account reported on my credit file.Disputed Collection Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$190.00} Date of Account : [ XX/XX/year> ] I categorically deny any liability for this account. I have never authorized, acknowledged, or consented to this debt. Under FDCPA Section 809 ( 15 U.S.C. 1692g ), I am demanding immediate validation of this debt, including : A signed contract or original agreement proving my obligation to this debt. 

A detailed account history, including itemized statements reflecting all charges and payments. 

Proof of legal assignment, showing that the creditor has the right to report and collect this debt.If the credit bureau or collection agency fails to provide verifiable proof, I demand that this account be immediately removed from my credit report, as required by FCRA Section 611, which mandates the deletion of unverifiable information.Additionally, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this violation, as the original creditor was not authorized to share my personal financial information. If this matter is not resolved promptly, I will escalate my complaint to my state 's Attorney General, the FTC, and consider legal action for violations of federal consumer protection laws.I expect written confirmation of the outcome of your investigation within the legally mandated timeframe. Failure to act accordingly will leave me with no choice but to pursue all legal remedies available under the law.
Product: Credit reporting or other personal consumer reports

This is my second attempt to have my credit report corrected. Items were verified or validated that I didnt seek validation on. They are violating my consumer rights.I recently reviewed my credit report and discovered some inaccuracies and discovered fraudulent accIn accordance with the Fair Credit Reporting act, these Accounts being reported have violated my rights. 15 U.S.C. 1681 section 602 A States I have the rights 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 instructions. I am keeping all correspondence to use as evidence of willful violations with intent to seek litigation for $ XXXX per violation. these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is defamation of my character. I will seek litigation after this attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in contact with Pentagon Federal Credit Union speaking with an associate that was assisting me on finding an account with them that is showing on my credit report. I told the associate I have no card with them and need my name taken off of any account with them because I have never done business there nor given my information to them. The associate asked for my social security, which I provided, and they could not find an account with my information on it. I told him it is showing on my report and he needs to find the account and remove me. Associate said he could not find anything and if I submit a dispute with XXXX the account will be taken off since there is not an account. I asked if there was any one else in his department that could look or take my information off and he told me submitting the dispute will do so. This call took place XX/XX/23 at XXXX XXXX  CST and took over 8 minutes. I began the dispute process and the outcome was a notice that Pentagon confirmed the information was accurate. This was over a month waiting to hear back when I was assured by the company that I was not attached to an account.
Product: Checking or savings account

BBVA Compass bank provided me with misleading information about the funds in my account, which caused me to overdraft and be charged over {$120.00}. Between XX/XX/2018 and XX/XX/2018, I initiated 4 transactions relying upon the account information provided to me on their mobile app. Both thof available balance and posted balance were the same and indicated I had funds. Upon making these transactions throughout the weekend they were not even showing as pending in my account until XX/XX/2018. I dont not believe I should put be charged NSF fees having relied on the erroneous account information they provided. 

Further, in my previous interactions with the bank, they told me to set up overdraft alerts so that I wouldnt be charged so many NSF fees. Their alerts are useless becaus 1 ) the transactions dont even show as pending into the account until a few days after making a transaction ; and 2 ) the email and mobile alerts dont even alert you until almost 48 hours after the account would go negative. Every bank Ive previously had would show pending transactions that have a {$1.00} hold in the account. This bank doesnt do that ( despite showing a pending account balance ) and deceives their customers in order to charge them grossly unfair overdraft fees. 

On XX/XX/2018 I spoke to a banking representative and unsuccessfully asked to reverse my NSF fees. During the conversation I asked them to opt me out of courtesy overdraft payments so that I can stop incurring their rediculous fees. On XX/XX/2018 and XX/XX/2018, they have charged me {$96.00} in NSF fees. They told me these fees would stop and that the transactions just wouldnt authorize.