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 XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX 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 : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Clerical Error : There appears to have been a clerical error in how the payment was processed by XXXX XXXX XXXX, leading to the incorrect reporting of a 30-day late payment. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
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
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Use of My Federal Student Loan Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute and bring to your attention a serious matter regarding the breach and unauthorized use of my federal student loan information. I have reason to believe that my personal and financial data associated with my federal student loans has been illegally accessed and fraudulently utilized without my consent by external parties, including but not limited to individuals such as XXXX XXXX and DOGE. 

This unauthorized use constitutes a clear violation of my rights under the Federal Trade Commission Act ( 15 U.S.C. 45 ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), all of which govern the protection of consumer financial data and prevent unlawful access, dissemination, and misuse of sensitive information.

Due to this fraudulent activity and the breach of my personal data, I assert that my federal student loan obligations should be fully discharged. Under the Higher Education Act ( 20 U.S.C. 1087 ), the Secretary of Education holds the authority to discharge federal student loan debt in cases of identity theft, unauthorized use, or systemic fraud, which applies in my situation. Given the clear breach and the fraudulent exploitation of my financial records, I request that my student loans be immediately forgiven.

I am requesting an immediate investigation into this matter, as well as a formal acknowledgment that my loans are deemed invalid due to this illegal activity. Please provide a prompt response detailing the next steps and actions that will be taken to resolve this issue. 

If further documentation or clarification is required, please do not hesitate to contact me at the information provided above. Thank you for your time and prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX federal is reporting 3 missed payments on my credit report.
Product: Debt collection

I became behind in my home equity payments due to an emergency health care issue with my husband. On XXXX/XXXX/14 he had emergency XXXX XXXX XXXX. He was the only one working in our household at that time and he did not have temporary XXXX from his workplace, therefore we had no income. I got a job in XX/XX/XXXX making {$350.00} a month, while continuing to look for employment. All our bills subsequently were late due to lack of income. I applied for assistance from the State and our Church, but was denied monetary assistance. I contacted every creditor to let them know our situation. 

I tried to get help for a loan modification and by the time the department finally got back with me, I had a full time job and my husband went back to work. This process took 3 1/2 months. 

I have been working hard to catch up on all the past due bills now that my husband and I are back to work. I have been making payments on every payday to catch up. PNC continually calls me three to 4 times daily on my cell phone. I am not allowed to accept calls at work. They also call my husband while he is at work, and he is not allowed to accept calls. They never leave a message, but call three to four times daily, even though I have explained the circumstances to multiple callers several times and have made weekly payments in an attempt to catch up with the bill. We have over XXXX in medical bills due to this circumstance, so we are trying our best to pay everyone. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Old closed account doesn't get removed, old voluntary repo doesn't clear out of credit report, old credit cards closed account still on my report.
Product: Prepaid card

Someone gave me american express gift cards. i tried to use them at many places and have gotten declined by all of them. i called the company and they offered no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, On behalf of XXXX XXXX XXXX Acct # Account # XXXX. The company has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Debt collection

XXXX XXXX sent a bill for collection which had already been paid by insurance. I have called them multiple times to no avail. The 3 credit reporting agencies are still reporting the original billed amount ( {$280.00} ) dollars even though I have sent them the XXXX  from the insurance company that included the check # and the date they paid it. They simply will not remove it and state that this isn't sufficient evidence! 

original creditor : XXXX XXXX XXXX I am enclosing 2 screenshots which show the Explanation of Benefits and the amount the insurance company paid and the check number.
Product: Credit card

I am a student and I used my credit cards ( one with {$8300.00} limit ), in a good way, and I was always on time with the payments. All of a sudden I realized that my card doesn't work on XX/XX/2024, and I've contacted the bank about reopening my account, and they closed the 2nd credit with ( {$20000.00} ) limit on it! I was always using the card for a good way. I've only had a recent dispute for a laundry machine that wasn't working for {$12.00}. It is very unfair to have my account closed, because I have established a good credit history with Chase for about 3 years and I don't want to loose my credit as I highly care about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, * XXXX XXXX XXXX  XXXX. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I agreed to purchase tickets at a set amount of {$300.00} to a seller on XXXX who asked to use XXXX as a method of payment on Thursday XX/XX/2018. The seller mentioned that he has XXXX XXXX, and since I bank with XXXX, it seemed like a safe way to transfer the funds. Thinking XXXX is backed by the banking system, I agreed to transfer the funds to purchase the tickets. Once I transferred the money to the seller 's account, the seller was supposed to transfer the tickets to me online via XXXX accounts. Unfortunately, the seller then proceeded to decline all my phone calls to rectify the situation and now I am at a loss of {$300.00} with no way to reverse the transaction due to fraud and scam. I also have reported the fraudulent ad to XXXX for removal, while saving screenshots of the seller 's fraudulent ad.
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!
Product: Checking or savings account

Trying to link my checking account to XXXXXXXX.Investments and according to XXXX not able to do so.
Product: Mortgage

In summary, I was approved for a Deed in Lieu by both Nationstar and XXXX XXXX in XXXX, XX/XX/XXXX. The only item to be cleared was my second mortgage which had gone to collections and was taken over by XXXX XXXX XXXX. Working with Nationstar, XXXX XXXX and XXXX XXXX XXXX, they agreed to settle my account and release my lien upon receipt of payment of {$6000.00}. I was also approved for a Cash for Keys program in the amount of {$3000.00}. On XXXX XXXX, a check was cut out of my account and forward to XXXX XXXX XXXX. Nationstar DID NOT put any remittance advice with my check, and when XXXX XXXX called Nationstar and asked them the account the funds were for, THEY GAVE THEM THE WRONG ACCOUNT. ( Please see attached copy of the check, that IS NOT MY ACCOUNT INFORMATION. ) All Nationstar had to do was to request that XXXX XXXX Solutions Reapply the funds sent to my account. They never did!! For months, I went back and forth with the account representative that I was assigned, XXXX XXXX, who last told me via email on XXXX XXXX, " Good Morning XXXX, I apologize for the long delay, but I have not forgotten about you and have been diligently working on your case. We have provided all the informitao necessary to the second lienholder with explicit instructions on how to fix these items. I will follow up with them today and see where we are out. Thanks ''. 

I called XXXX XXXX XXXX, and my case worker there named XXXX XXXX who in turn told me they received nothing from Nationstar as far as instructions!! 

At this point, I am totally distraught. My situation is what it is due to nasty separation / divorce. I had to agree to a date to go back in my house for our settlement, remove all my items, hire a moving company that I paid close to {$1000.00} for, had to rent a storage unit that I paid way over {$200.00} a month for, threw away many valuable items as we had promised Nationstar that the house would be Vacant and in broom swept condition by XX/XX/XXXX. 

I have tried many many times to contact Nationstar. There are occasions that someone will respond, and then I get told that my situation is important, they take my matter seriously, even after I filed a complaint with the XXXX. On XX/XX/XXXX I received a phone call from customer service saying that once again be reviewed. I received a letter in the mail, again, stating that I will have a response by XX/XX/XXXX. It is now XX/XX/XXXX - I have heard nothing. This situation has caused me so much XXXX, I do n't understand how a company could treat any of their customers, the way they have treated me.
Product: Vehicle loan or lease

I traded XXXX my car, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX, the XXXX was in dealer possession therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX kids. I requested this to be updated and it never did. This " contract '' is approaching 6 years and 6 months so I would request it just be removed from my credit so the past due one month doesn't continue to harm my financial position so I can provide  a roof over the heads of my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/2019 I found the below accounts on my file that are not mine. I have issued a dispute leter on XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with no investigative results report. There are a total of ELEVEN 30 day violations. Please refer to the attached IDENTITY THEFT POLICE REPORT and please immediately delete these accounts to avoid litigation.
Product: Credit card

My Bank of America credit card is paid in full but they are still showing a blance.
Product: Debt collection

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts are incorrect, and it's unsettling for me.
Product: Credit card or prepaid card

Chase JP Morgan Bank opened a credit line/account without my permission or knowledge. The new account appeared on my online banking services, which I first noticed on XX/XX/23. Today, XX/XX/23, a credit card along with associated paperwork arrived at my mailing address. 

At no point did I sign up for, gave permission to open, contemplated signing up for, let alone knew about this card/account option existed. 

Chase 's XXXX hotline gave no good explanation as to why this was opened. They gave no dates the account was applied for, nor by what means it was applied for ( in person or online ). 

They had no direct number which I could call should I have further issues with this specific incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX repossed my car even though i was in the military and protected under SCRA in XXXX. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA. 
The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all XXXX credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
XXXX. XXXX XXXX, XXXX, XXXX  also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.
Product: Money transfer, virtual currency, or money service

XXXX last year and one time before then I swiped my card at a store named XXXX XXXX I tried to buy something and my card declined but in fact sis take the money off my card man said it will come back in 30 days but never did. The first time I was XXXXXXXX XXXX  But the next It was XXXX I was trying to buy a cell phone and plan. Never did get my money or merchandise. And recently last month XXXX got to off my account by twice by the same scammer still don't kw how he did it
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAS REPEATEDLY DENIED ME ACCESS TO A CREDIT LIMIT INCREASE DUE TO THE INCORRECT REPORTING FROM THE CREDIT BUREAS. I DEMAND A CREDIT LIMIT INCREASE TO ALL MY CAPITAL ONE CREDIT CARDS. I AM A GREAT CUSTOMER AND WANT TO CONTINUE TO DOING BUSINESS WITH CAPITAL ONE BUT IM A BEING WRONGFULLY JUDGED I have reached out to XXXX XXXX, Attorney General of Florida and voiced my concern on this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

i was offered the 3 months hardship for the hurricane Irma after the 2nd month the wells fargo bank sent me letter and called me saying i was behind on the mortgage by 3 months and I told them ive sent them the last mortage payment before the hurricane how could i be 3 months behind, the person XXXX told me oh they recieve the last payment but did not apply it and could not clearly explain why, and they were not approving for the hardship program and i need to pay the remainder now and I asked I was told by the lady after the hurricane that all would be good and they would put my account for the the 3 month hardship program if i wanted to and i said yes please and than XXXX said Oh i apologize for that and there is nothing he could do this he said when he contacted me after over 2 months later
Product: Checking or savings account

On XX/XX/XXXX I open a certificate of deposit for {$100000.00} with XXXX XXXX XXXX/WesBanco Bank for 5 years and now the certificate of deposit has matured on XXXX, and on XX/XX/XXXX WesBanco have refused to issue my {$100000.00} back to me along with interest the I have earned of {$9000.00} on this account. According to XXXX XXXX XXXX XXXX her bank do not have XXXX on hand. I have honored my five years a agreement with WesBanco bank but WesBanco have not honored their agreement with me, therefore, I am requesting legal action be taken against WesBanco Bank for fraud. WesBanco Bank is located at XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I made a purchase at Kohl 's in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me.

She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.