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

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify this account. Failure to validate this reported account within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$110000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against TransUnion regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my attempts to dispute this directly with TransUnion, they have failed to take corrective action.

The following hard inquiries appear on my TransUnion credit report and are either duplicates or unauthorized : XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> I did not authorize these multiple inquiries, nor did I apply for credit with these institutions on the listed dates. Additionally, the XXXX inquiries from XXXXXXXX XXXX XXXX  XXXX XXXX appear to be duplicates. 

I first attempted to resolve this matter by filing a dispute with TransUnion, but they refused to remove the inquiries. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and TransUnion is required to investigate and remove unverifiable items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not receive any response to the letters that I have send they are ignoring them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX I received a notification that a new inquiry appeared on my credit report. Indeed, an inquiry by XXXX via XXXX was requested on XX/XX/2022 for the permissible purpose of a credit transaction. A credit application had been submitted by someone else using my maiden name and social security number. 

XX/XX/2022 I contacted TransUnion for dispute instructions, and then XXXX at the given phone. The representative said they'd send the deletion letter directly to TransUnion and then the charge would fall off. He said they could not send a letter to me and that small companies probably do send letters, but that they only send it directly to the bureau. He said it could take 30 days but suggested waiting until early XXXX because reports get updated early in the month. 

XX/XX/2022 I contacted XXXX / XXXX XXXX  about a letter I received in the mail indicating they could not locate my account with the information provided and that in order to handle my request they needed my account number - found either on my credit card, billing statement, or credit report. Obviously I do not have an account number. I spoke with XXXX who first said I should contact the bureau, and when I insisted I needed a deletion letter she said she " couldn't find me '' and so it must have fallen off already. She eventually transferred me to XXXX in the fraud department, who confirmed an inquiry using my maiden name. She " resubmitted '' the deletion letter. She said it would take XXXX days, so XX/XX/XXXX for a possible XXXX update. 

XX/XX/2022 I contacted XXXX / XXXX XXXX  to follow up again. I spoke with XXXX, who said he'd follow up with the right department and eventually transferred me to XXXX. She confirmed with bureau was showing the inquiry and my last name ( maiden name ) and said the XXXX request went to the wrong agency and that she would send a request to TransUnion that day. Said it would be 30-60 days. 

XX/XX/2022 I followed up with XXXX / XXXX XXXX  yet again. I was transferred several times and disconnected twice. Eventually I got to XXXX, who logged into the application database to see what was on file and said an application was processed in XXXX but never decisioned - " interesting. '' He transferred me to XXXX on the fraud team. XXXX said she would follow up. I asked her for a copy of the deletion letter and she said they always send one - but I've never received one and a rep in the past said they don't send them to customers. I shared this and that I'd really like one. She confirmed my address- the one they already had on file for me was not mine. 

XX/XX/2022 I also contacted TransUnion again, this time by chat. I asked if there was any way they could have received the deletion letters and just not updated my report. The rep couldn't say - only that the maintenance department would know that and they can only provide that number to subscribers and lenders ( and can't make outbound calls ). 

At this point - 6 months later, I don't trust XXXX / XXXX XXXX or TransUnion to resolve this without additional support.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against BAYVIEW LOAN SERVICING for unlawfully blocking my access to {>= $XXXX in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property.

Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.
2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violate
d the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct contact information to advise me of payment amount, payment due date, and name of company to pay was incorrect when the account was opened and the original contact information on my account belongs to someone else. I only found about these errors when 30 day and 60 day late payments showed up on my credit report. I called the merchant listed on my credit report and advised them to correct my contact information and told them to remove the late payments after I brought my account current. They can not report me as late paying when they never contacted me to give me the information to make payments.
Product: Credit reporting, credit repair services, 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. 

Account name : ( XXXX  XXXX XXXX  XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I XXXX ), ( XXXX XXXX XXXX  XXXX XXXX ), ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX  XXXX ), ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXXXXXX ), ( 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 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: Credit reporting or other personal consumer reports

A collection account that appears on my report. I believe that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in investigating and correcting this matter. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX Collection Account Information : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Date of First Delinquency : [ Date of First Delinquency ] I am disputing the accuracy of the information related to the collection account mentioned above due to the following reasons : Inaccurate Reporting : The information provided in the collection account is not accurate and does not reflect the true status of the debt. I request a thorough investigation into the validity and accuracy of this account. 

Violation of FCRA Laws : I believe that the reporting of this collection account is in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA requires that information reported by credit bureaus is accurate and complete. The inaccuracies in this account are detrimental to my creditworthiness and financial standing. 

Abusive Collection Calls : I have been subjected to abusive collection calls by [ Name of Collection Agency ]. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits abusive and unfair practices by debt collectors.

I kindly request the following actions to be taken : Investigation : Please conduct a thorough investigation into the accuracy of the information associated with the collection account mentioned above. 

Verification : Verify the legitimacy of the debt and ensure that it complies with all applicable laws and regulations.

Removal of Inaccurate Information : If the investigation reveals any inaccuracies, please promptly remove the inaccurate information from my credit report.

Documentation : Provide me with any documentation supporting the accuracy of the collection account, as required by FCRA.

I remind you of your obligation to respond to consumer disputes within 30 days, as stipulated by the FCRA. Failure to comply with these requirements may result in legal action. 
Thank you for your prompt attention to this matter. I am confident that a fair and accurate resolution can be achieved through your assistance.
Product: Credit reporting or other personal consumer reports

The following inquiries need to removed to in order to show my true credit score and history overall under the Fair Reporting Credit Act. section 605B. 

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

Fifth Third Bank still not reporting my monthly mortgage payments. I received a letter in XX/XX/XXXX from the Fifth Third Bank, Office of the President, where they tell me that they apologize for the inconvenience, and they said that they did an investigation about my mortgage loan and the bank is reporting my information to the credit bureaus, however they contacted the credit bureaus, and they was informed XXXX, XXXX an XXXX deleted my tradeline due to the date of first delinquency ocurring in XX/XX/XXXX when my bankruptcy XXXX  XXXX was filed. Fifth Third Bank reinstated my mortgage loan in XX/XX/XXXX. I received the discharge letter from the Bankruptcy Court on XX/XX/XXXX. I contacted XXXX, XXXX and XXXX, and I was told that Fifth Third Bank needs to report my mortgage payments, because they can't find anyreport of my payments to the bank.
Product: Vehicle loan or lease

The company Carmax auto finance repossessed my vehicle with 1 day notice. Once I was offered a payment plan I made the payment and they still took my car. I made the payment of XXXX XX/XX/2022 and my vehicle still was taken from my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX  XXXX  XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX. This is re-aging my account and is illegal. 

XXXX XXXX XXXX delete this account for inaccuracy because payment history show on XX/XX/XXXX : XXXX On XXXX XXXX Charge Off XXXX On Time Set Financial XXXX delete this account because it is a Charge off but reporting a monthly payment. This is inaccurate. 

CB Indigo XXXX delete this account for inaccuracy because the payment history show XX/XX/XXXX : XXXX XXXX XXXX Charged Off XXXX On-Time XXXX  XXXX  XXXX delete account for inaccuracy because date of last activity is different on reports : XXXX XXXX XXXX XXXX. This is Re-aging my account and can not be on the report. 

Nation Credit Adjust XXXX Delete for payment inaccuracy because payment history show : XX/XX/XXXX XXXX XXXX XXXX Charged Off XXXX On Time. 

XXXX  XXXX  XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX  On XXXX XXXX  Charge Off XXXX On XXXX XXXX XXXX XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX On XXXX XXXX Charge Off XXXX On XXXX XXXX XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX This is re-aging my account and is illegal. 

XXXX  XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX  has XXXX XXXX  has XXXX. This is re-aging my account and is illegal. 

Also 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have re-inserted information without validation. The accounts are : XXXX, XXXX XXXX, and XXXX XXXX. These accounts were removed and now they have re-inserted without proper notice nor validation not verification. 

FCRA 611 ( 15 U.S.C. 1681I ) Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted. 

Equifax did not follow the FCRA law regarding reinsertion. I did not receive a letter within 5 business days informing me of the reinsertion. I would like these accounts to be removed immediately! Legal representation is on standby. This problem is a nuisance and I want this problem to be resolved immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Consumer Loan

In XX/XX/XXXX my family had XXXX immediate family XXXX which left all of us in a position to have to come up with finances to XXXX them. I got behind on all my credit card debts and enrolled in XXXX debt relief. XXXX advised me to pay a monthly amount and they would negotiate the balance and I would make a monthhly payment to them. I was also told no negative report would go to my credit bureau and that it would reflect enrollment in the program and continually paying. However I recently obtained a copy of my credit bureau reports and they show numerous creditors, including Synchrony Bank as a " charge off '' which is prohibiting me from renting a residence, or obtaining decent credit. I contacted Synchrony Bank on various occasions and was told that enrollment in a debt relief program was a positive step and it would not be reported negatively on my credit bureau. All XXXX credit bureau reports show " Charge Offs ''. In XX/XX/XXXX I obtained a consolidation loan and every creditor has been paid in full. I have faithfully paid these debts and want to pay off the consolidation loan in the near future. My credit is ruined with these reports of charge offs.
Product: Credit card or prepaid card

For background : I recently experienced fraud on this account ( my phone was stolen, which contained this card in XXXX XXXX ), and BofA followed typical procedure and cancelled the old card and sent me a new one. For the past several weeks, when I attempt to go online to schedule a payment, I get an error messaging stating that I need to call customer service. After waiting a very long time on hold on the first call, an agent scheduled my payment but said that they were not sure why this was happening to me. They committed to getting back to me within 2-3 days. Two weeks later, I had not received a response, so I attempted to use the online feature again, and it still was not working. When I called, the second agent that I spoke to ( despite calling the exact XXXX # that the website indicated I should call ) tried to convince me that bill pay was XXXX because I had missed a payment ( how is that an acceptable solution? ). I informed her that I had not missed a payment, to which she insisted that I was wrong without providing any details. I then read the past two statements to her ( statement date, previous balance, amount due, due date, evidence of payments, confirmation numbers, etc ) and explained to her that what she was saying wasn't possible because the statement date for the charge in question was AFTER the date that she said the payment was due - said another way, I did not owe any money on the date she mentioned, and the charge that she was claiming was overdue is not due until XXXX XXXX, for which I have a scheduled payment and was able to provide a confirmation number. She did admit that she was incorrect, which is just unbelievable for a bank this large and systemically important, but then still could not solve my bill pay issue. At this point, it feels like Bank of American is trying to make paying bills difficult so that they can generate late fees. I'm happy to be wrong, but the evidence is not convincing that there are other motivations.