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

XX/XX/XXXXXXXX  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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by 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 : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 
Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 
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: Money transfer, virtual currency, or money service

A Girl On XXXX (XXXX XXXX) XXXX1 Claiming To Be A Branch Manager At A XXXX XXXX XXXX XXXX ... As You Will See If You Use The Link To See On Her Page It She Does This All The Time... I Was Told That She Can Help Make Me Money Of I Banked With XXXX Or Cash App To Check My Inbox For More Details I Was Told That If You Send A XXXX Dollar Fee To Start The Process I Ask Multiple Time Was She Legit Because I Heard About Scammers Targeting Banks But She Reassured Me That She Was Legit And Sent "Proof" Pf Other Transaction .. Etc And After I Sent The XXXX Dollars I Was Blocked On The Website So I Reported To The Banking System Multiple Times And Was Told It Was Nothing They Could Do And I Would Have To Ask The Person For A Refund Because The Transaction Was Already Confirmed So I Sent A Refund Request And My Account Was Then Blocked From Doing Money Transactions With The Person
Product: Checking or savings account

My bank account was compromised due to fraud in 2017 and chase closed all my accounts and credit cards. It was not my fault at all and they permanently closed all my accounts.
Product: Vehicle loan or lease

Company advised of a website update for a period of one week, from approximately XX/XX/XXXX to XX/XX/XXXX. Company claimed that one time payments are unavailable during this period. Company claimed that if you paid your monthly auto loan payment via debit card, that the fee would be adjusted on your account. Well, I made my payment on XX/XX/XXXX and the measly {$3.00} has not been credited to my account. In fact, after 45 minutes on the live chat with this company, I was informed by XXXX with a reference number XXXX that it would be resolved. Several days later this has not been completed.
Product: Checking or savings account

I tried to deposit a check that was drawn on nebraska treasury and they accepted the deposit. Two days later I recieved an email saying that they couldnt accept the check and it was verified through a manual verification process and I had emailed and called them several times and they said that they could not tell me why the check was declined. I wanted to have the check reissued so that they could take the deposit as I am home bound and am unable to leave my home to cash it some other way. Regardless they told me to write cashed across the check so I have to have it reissued anyway but cant get clarification on why they rejected the deposit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed a card for a friend who was getting {$3400.00} to have XXXX XXXX XXXX. it was a line of credit for medical expense. The person who was making the payment was locked out of her account online and she tried, has several emails back and forth trying to fix that problem. She started paying over the phone because they do not send statements and she has no emails from them. I do not get anything. I found out my credit score went down by more than XXXX points because they reported me for not paying. Although i was a co-signer, i was never given any notification whatsoever that this was going into collection. My credit report shows a collection. When i called the company i found out it is not in collections. HOwever, the statement on this account shows {$2500.00} due. When i called and on my credit report, it shows {$5600.00}. They hung up on me when i wanted a printout of how they added this much to the balance and is it legal for them to ruin my credit without giving me an opportunity to fix it or pay?
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX ] XXXX XXXX XXXX, NUMBER XXXX [ Account XXXX ] XXXXXXXX XXXX, NUMBER : XXXX [ Account XXXX ] XXXXXXXX XXXX, NUMBER : XXXX [ Account XXXX ] XXXX XXXX, NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Debt collection

This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!
Product: Credit card or prepaid card

XX/XX/XXXX Dear Sir/Madam I am a victim of identity theft. I recently learned that my personal information was used to open an account at Discover Financial Services LLC. I did not open or authorize this account, and I, therefore, requested that it be closed immediately. I also requested that Discover Financial Services LLC absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. However, I received the letter on XX/XX/XXXX where it was said that Discover Financial Services LLC refuse to close this account and told me that this account belongs to me. After that, I sent to Discover Financial Services LLC all additional documentation as supporting evidence such as Copy of identity theft Report. 
Copy of old NY State ID. 
Copy of Passport. 
Copy of electricity bill ( proof of address ) Copy of XXXX. 
Copy of XXXX. 
FTC Notice to Furnishers of Information. 
And I asked again to remove this fraudulent account. However on XX/XX/XXXX I received another letter from Discover Financial Services LLC where it was said that after the second investigation they concluded that this account belongs to me despite all documentation as supporting evidence. The letter also states that the credit card was sent to XXXX XXXX XXXX # XXXX, XXXX XXXX, NV, XXXX. However, I have never been a resident of XXXX XXXX and have never lived at the listed address. 
This account was opened in XX/XX/XXXX while I was on the territory of the XXXX XXXX. My entry into the United States is listed on XXXX XXXX ( XX/XX/XXXX ). The document XXXX contains a stamp on which the date ( XX/XX/XXXX ) is indicated before which I could not enter the United States. 
For your information, my social security number had many open bank accounts that were successfully closed because they were fraudulent except for this one - Discover Financial Services LLC. Their investigative department insists that this account belongs to me despite all the evidence and all the documents I have provided to prove otherwise. 
At the moment I have lost all hope and do not know how to resolve this current situation. Due to a very low credit score, I can not live a normal life. I can't even afford to rent a house because I get a refusal from all landlords. Please, I am asking for your help.
Product: Checking or savings account

Opened online savings account funded from my main bank. Attempted to transfer funds to my bank on XX/XX/24. A hold was placed and my funds refused. They have now locked my account and wont XXXX or transfer {$600.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian and TransUnion must authenticate these accounts. ( A ). Treating this reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00}
Product: Credit reporting or other personal consumer reports

On or around XXXX  my social security number was reported compromised /data breach XXXX dark web breach XXXX credit limit change XXXX credit limit change XXXX  credit limit change XXXX several credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are fraud, I did not make them, or authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information being reported to my credit report and XXXX, XXXX, and XXXX  have failed to properly investigate this account XXXX XXXX as per FCRA guidelines and continue to report false information to my credit report!
Product: Credit card or prepaid card

Home Depot sold me & XXXX delivered a defective refrigerator & refuses to refund or remove. Home Depot knowing that the refrigerator didnt work left it in the middle of my kitchen floor & refuses to come & pick it up forcing me to purchase another refrigerator during COVID-19 causing me financial hardship & a bill on my credit card for a product that didnt work. XXXX came in XXXX & put in a motherboard & its still not working causing me to keep loosing food weekly
Product: Prepaid card

I received a {$25.00} XXXX XXXX as an energy incentive from my local electric provider, XXXX. I registered the Blackhawk issued card at time of receipt. I attempted to complete a split transaction for an online purchase for a local restaurant 2 days in advance of the pick up, using all {$25.00} from the XXXX XXXX. When I went to pick up the order, I was advised the payment rejected. I had thrown away the XXXX card and when I went to the registered site today to gain access the the card details, it will only provide the last four and will not allow access to the funds. The transaction history does not show the decline or any usable card details. I would like a refund in the form of a check for the {$25.00} earned incentive. I think Blackhawk is deceptive in their business practices and is not allowing me to have full access to my earned funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

have reached out too these companies back in XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Wells Fargo VCS ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Product: Debt collection

I had a medical debt with Patient Accounts Bureau/XXXX  XXXX that was paid off on XX/XX/2020. The Payment was paid ( {$1500.00} + {$6.00} handling fee ). I have continued to receive collection calls. I have told them repeatedly this was paid off and I have been told each time the manager, XXXX XXXX, would call me to resolve this. Each time they call for payment, we go through the same deal, with them always saying XXXX XXXX will straighten it out. I have sent them ( repeatedly ) copies of the confirmation code and the account it was paid on to no avail. The only information that any of the collectors have been able to tell me is that maybe they applied it to another debt that I have with them. If this is the case why did the balance not go down on the other account and how are they able to take the money away from where I had applied it? I received no satisfactory answer other than XXXX XXXX would call me, which she has yet to do. XXXX, XXXX, XXXX is way to long for them to find my money, pay off my account and quit calling me regarding it.
Product: Credit reporting or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Unauthorized and unverified inquiries are on my credit report.
Product: Debt collection

Dear CFPB, Please find my complaint against Nationwide Title Clearing, Inc ( NTC ) and XXXX  XXXX XXXX XXXX XXXX  ) for mass forgery of Assignments and other documents documents and collections of non-existing " debt '' masqueraded as " mortgages '' ; and fraudulent foreclosures On XX/XX/XXXX someone hired NTC to prepare an Assignment of my so-called " mortgage '' with XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX  ( former XXXX XXXX XXXX. 

I contacted NTC and asked who hired their Company to prepare this Assignment without a Note ( which is legal nullity in all jurisidction ) if someone transferred purported " ownership '' of my Note ( which is missing from all records ) to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, which was my closing day, via XXXX XXXX illegal under HUD 's rules ). 

NTC refused to respond who is their client and which particular documents reviewed Mr. XXXX XXXX before he attached electronic signature of " XXXX  Vice President Mr. XXXX XXXX '' XXXX who never worked for XXXX  and probably does not even exist as a person ). 

XXXX sent my inquiry to XXXX, XXXX XXXX who was acting as nominee for XXXX XXXX and whose Vice President " XXXX " appeared '' before NTC employees and is personally known by NTC Notary. 

Bear to repeat, XXXX purportedly performed numerous transfers of my alleged " obligation '' to various parties - such as " sold '' it to XXXX XXXX and placed in some Pooled Securities ; acted as a Servicer for someone whom XXXX can not identiofy ; transferred " ownership '' via XXXX to XXXX on my closing day - which XXXX always deny despite the factual evidence - all in less than 24 hours on XX/XX/XXXX. 

XXXX, XXXX also was not able to tell who is the Principal who hired them to " appear '' before NTC employees and passed my inquiry to ... XXXX, who claimed to be an " owner '' of my alleged obligation since XX/XX/XXXX - while purported " transfer of ownerhsip '' was recorded by NTC on XX/XX/XXXX, or more than a year later. 

When I ask XXXX how they became " owners '' of my alleged obligation - XXXX tell that they purchased my " loan '' from someone whom they can not identify ; and that they servicing some investors of secretive XXXX XXXX XXXX where XXXX  XXXX XXXX XXXX  is a Trustee - while the Investor, according to XXXX, is XXXX themselves who also claim to be " issuers '' of XXXX XXXX 's mortgage backed securities. 
I repeat my question - who hired NTC ( must be owner of the debt ) to prepare an Assignment of Mortgage to XXXX on XX/XX/XXXX. 

The Assignment of Mortgage with the Note is nullity in all jurisdcitions and must be removed from my property records as NTC agreed in Settlements with Florida Attorney General in XXXX ; and with Illinois Attorney General in XXXX. 

I demand NTC to disclose Mr. XXXX XXXX place of employement and his contact information, so I can contact him personally to discuss details of this " transaction '' I demand a list of documents reviewed by NTC before they employee XXXX XXXX attached electronic signature of Mr. XXXX to the Assignments I reserve my right to demand more disclosures from NTC.
Product: Student loan

Peaks loan company was giving out fraudulent loans for XXXX XXXX. 
Now all loans are being forgiven because of the fraudulent practices of Peaks loan scam. 
Huge amount of people defaulted on these loans, I was paying them off over XXXX . 
I asked for a refund because fraudulent school loans are suppose to be paid back. 

They refused to send my refund and sent me a link to contact you. 
How do I get the over XXXX $ they stole from me back?
Product: Debt collection

I just recently discovered that my savings account was emptied completely due to a Legal Order, and I knew nothing about it. The first thing I did was opened my XXXX XXXX and XXXX XXXX so see if I did in fact owe that amount from something in the past and nothing is on record. When I called my bank to investigate, they were about to give me the name of the debt collector, case #, a phone number that didnt work, and the amount they stated I owed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts as they are hurting my ability to obtain credit.
Product: Credit reporting

Chapter XXXX bankruptcy filed on filed in XXXX, discharged XXXX. XXXX XXXX XXXX continues to report the balance, a past due amount and a monthly payment on my Equifax credit report. I disputed the balance multiple times over the past 6 months with no success. Tried contacting XXXX XXXX XXXX and transferred from number to number until complete circle occurs. Main number XXXX -- & gt ; bankruptcy department @ XXXX or XXXX -- & gt ; " card services '' XXXX -- & gt ; back to bankruptcy department. I was supposed to close on a home today but the lender has informed me that closing can not occur until the negative information has been removed.