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 Equifax 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax 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 : Clerical error by XXXX XXXX  : It appears there was a clerical error in how XXXX XXXX  processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the 30-day delinquency threshold. I also included copies of emails from XXXX XXXX  confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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: Credit reporting, credit repair services, or other personal consumer reports

USAA closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? 
By doing so they have caused my good credit history length to be reduced as well as the good payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, this complaint is n't about XXXX. It is about TransUnion. 
I 've have a credit freeze on my TransUnion account for many years. A company that I wanted to do business wanted to access my credit report. So I called TransUnion and had them temporarily remove the credit freeze but install an access code. I specifically asked whether anyone would be able to access my credit file without the access code and was told " No. They must have the access code. '' About XXXX minutes later, I decided to go to the XXXX website and get a copy of my TransUnion credit report. XXXX did not ask me for my access code ( instead asking me a few questions about prior addresses, etc. ) and did provide me with a TransUnion credit report. This means that TransUnion sent them my credit report without my access code being provided. I called TransUnion immediately after this and verified that I do have an access code. However, they told me that a company asking for my credit information does not need the access code to access my credit report. ( They said that most banks have configured their software to recognize that an access code has been set so that they can ask the customer for that code, but the banks do n't have to do so ). So basically, an access code would provide no protection if the inquirer did not care to honor it. As far as I 'm concerned, TransUnion made a fraudulent claim about how the access code works.
Product: Checking or savings account

My employer summited my direct deposit and I usually get paid on Wednesday around XXXX XXXX and its Friday now XXXXXXXX XXXX and I still havent received my paycheck yet
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX with XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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.
Product: Checking or savings account

I received a letter from PNC Bank confirming an address change for an account that does not belong to me. The letter was addressed to a person who does not live at my address, and I do not have an account with PNC. I contacted PNC Bank on XX/XX/year> to report this issue and to express my concerns about potential identity theft and fraud. The representative I spoke with told me to return the mail and dismissed my concern, stating they could not assist me. After this, the representative hung up on me. I have not received any further assistance or action from PNC, and I am concerned about the unauthorized use of my address for fraudulent activity.
Product: Checking or savings account

The " resolution '' to complaint XXXX is unacceptable. 

I hereby quote the full text I sent to Optum Bank on XX/XX/XXXX : " '' '' Effective XX/XX/XXXX, please close account # XXXX. As of this date, I revoke all authorization for Optum Bank to serve as custodian or in any other way administer this account in my name. I revoke all authorization for XXXX Bank to contact me by email or other electronic methods, including text message and phone call. Please send confirmation of the closure of this account via USPS first-class mail no later than XX/XX/XXXX. 
" " '' I very clearly revoked authorization for Optum Bank to send me electronic communications. I never received any message to the email address associated with that account -- " XXXX '' Optum Bank is once again lying in their reply stating that " On XX/XX/XXXX, we received your email request and we responded via email confirming that your account had been closed with no further issues noted ''. 

I will continue submitting complaints until I receive a written confirmation of account closure mailed via USPS first class mail. 

Please note that my revocation of any form of electronic communication with Optum Bank is still in effect. 

Original complaint text : On XX/XX/XXXX, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/XXXX ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. This is unacceptable, and is yet another example of Optum Bank 's poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not operating under the guidelines of the FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter or any communication with them before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company 's business practices as well. Diversified Consultants , inc . VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
Product: Vehicle loan or lease

They gave me a very high interest rate so my installments are very high on my fist payment XX/XX/
Product: Debt collection

I APPLIED FOR A LOAN WITH FORTIVA FOR A XXXX XXXX. I CHANGED MY MIND. XXXX XXXX STILL TOOK THE MONEY AND DID NOT RENDER THE SERVICE. NOW FORTIVA IS REPORTING ME TO THE CREDIT BUREAU FOR NOT PAYING. XXXX XXXX REFUSES TO GIVE THE MONEY BACK TO FORTIVA. IM NOT RESPONSIBLE. XXXX XXXX  IS A THIEF AND THEY ARE KEEPING THE MONEY AND WANTING ME TO PAY FOR A PRECEDURE THAT THEY DID NOT PERFORM. I HAVE DISPUTED THIS MULTIPLE TIMES WITH XXXX. THE OUTCOME HAS ALWAYS BEEN NEGATIVE. I CAN NOT AFFORD A LAWYER.
Product: Checking or savings account

I initiated a transfer of {$10000.00} through XXXX XXXX to pull the funds from my Ally Bank savings account and deposit them in my XXXX XXXX account. This was executed on XX/XX/23 and I can see the funds were withdrawn from my Ally account. XXXX XXXX rejected these funds ( after speaking with their customer service it was suspected fraud which is why they rejected it I am being told ) on XX/XX/23 which I received an email for. I was informed through that email these funds should settle back with Ally Bank in 3-5 business days. 

It has now been 23 days since the initial transfer and the funds are at neither bank and thus have effectively disappeared. I spoke to both banks several times and multiple times they both told me they could not help and that it was the responsibility of the other bank. After numerous attempts, Ally agreed to open a " dispute '' which they said would be handled in 10 days. I still have {$10000.00} that is unaccounted for and not moved back to the Ally bank account. I am very concerned about this as Ally has not inspired confidence in returning my funds and this is a significant amount of money for me. I have greater concerns that a transfer between banks, which should be a common financial transaction, could go missing like this without the bank being able to quickly resolve through automated processes.
Product: Money transfer, virtual currency, or money service

BOA claim # XXXX Around XX/XX/year>, XXXX received text from BOA reference suspicious activity on her checking account and replied no reference to recognizing account and XXXX transactions . They advised a representative would call her and XXXX XXXX impostor ) from BOA fraud department called XXXX. 
XXXX received a text from XXXX & XXXX ( XXXX and XXXX ) phone carrier that her phone ( XXXX ) XXXX was being transferred to a XXXX account. XXXX did not answer text in time and her phone became inoperable and stuck in sos mode. Several fraudulent credit card, boa, XXXX, computer, cell phone XXXX XXXX was charged and once disputed the funds returned. XXXX received another call from XXXX ( XXXX ) asking if she sent a wire. She said no and that he has stopped the wire and frozen her account and directed her to the boa app. XXXX coerced XXXX into sending XXXX wire transfers on XX/XX/year> to get her funds returned. It was in the amounts of {$8900.00} and {$9700.00}. We have not sent wires before and XXXX was coerced into sending this transaction. She was tricked. We have printouts of the transaction. XXXX tried to get XXXX to go to BOA and pull out {$20000.00} cash and deposit into a virtual account so her money would be returned.
Product: Credit reporting or other personal consumer reports

I disputed accounts and addresses on my credit report and I have not received any response after 2 months of waiting. There is student loan, credit card and addresses that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against I.C. System regarding their persistent reporting of a removed account on my credit report, despite multiple assurances that the account had been deleted from their records. 

On multiple occasions, I have received calls from regarding an account allegedly associated with my name. Each time, I informed them that they no longer have any account pertaining to me. In XXXX, I received an email from I.C. System confirming that they had indeed removed my account from their records. 

However, despite these assurances, I recently checked my credit report and found that I.C. System is still reporting the account in question. This discrepancy is not only causing confusion but also negatively impacting my credit score. 

I have made diligent efforts to resolve this matter with them directly, but their failure to accurately update my credit report demonstrates a lack of accountability and professionalism on their part. 

I request that the Consumer Financial Protection Bureau intervene and investigate this matter thoroughly to ensure that I.C. System complies with fair credit reporting practices and promptly removes the inaccurate information from my credit report. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander charged off this account back in 2010 and re ages this account to show a negative account on my   XXXX   report. Every month they re age the account to show a current delinquency on a charged off account. The amount charged off was  XXXX . I have tried to resolve this matter numerous times with   XXXX   and santander and neither are reporting properly. Santander continu es to inaccurately report data on a charged off account by reaging it. This is a violation under FCRA.
Product: Checking or savings account

I was on vacation and received fraud alert from Chime Banking. On XX/XX/XXXX at XXXX. I received a fraud alert about a charge from XXXX for {$550.00}. I responded back Yes to the text message when the charge did not go through. Once I responded yes I was charged by another merchant named XXXX XXXX on XX/XX/XXXX at XXXX for XXXX $ and again by XXXX XXXX XXXX XXXX for {$830.00}. I never received a fraud alert from Chime about two charges on XX/XX/XXXX at these times about a company named XXXX XXXX trying to charge me. I later called XXXX XXXX and was told on the phone that there was not record of a charge from there company. I proceeded to report this as fraud to Chime Bank by calling and explaining the situation. They then denied my claim. I proceeded to ask for documents back about why it was denied. The only information I was provided was the documents and evidence I provided. This processes has since been repeated 2 more times. Supervisors have sense started to hang up on the phone with me because I keep explaining that I am not receiving any evidence showing I did make this transaction. The documents I provided were fraud alerts not matching, documents showing the company closed in XXXX, and information about me contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial dispute 6 TO 7 WEEKS AGO was detailed and related to the account in question. A template response will not be an acceptable response. YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED I HAVE A CHAPTER XXXX FILING WHICH IS NOT FACTUAL AND ANOTHER ACCOUNT THAT DOESN'T BELONG TO ME
Product: Debt collection

Received a letter from The Liviton Law Firm Ltd stating that they have been retained by XXXX XXXX. They are saying i have an outstanding balance with XXXX XXXX and want to resolve it. Only problem is i don't and have never used XXXX XXXX. This appears to be a scam. I can see how an honest law abiding person could fall victim to this. Just want to warn people.
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. 


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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: Debt collection

On Thursday XX/XX/XXXX after repeated attemps to contact the rental property management I received a call from them. Representative XXXX XXXX was on the phone she stated that I owed back rent for the apartment and that I needed to pay I explained to her that I was very upset about XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that was going on in the apartment building. There were people sleeping in front of my door and blocking me from being able to get in and out of the building. I also stated that I would pay the rent when this was taken care of and that I was going to sue the company for all the stress that this situation had caused my family and I. XXXX stated that she did not want the back rent but instead wanted me to move and when could I be out of the unit. I stated that I could be out in 30 days and I wanted my security deposit back with the interest that I was supposed to have. She agreed to this. She also stated that she wanted to have the property manager XXXX do a walkthrough upon my leaving. On XX/XX/XXXX I moves out of the property. I received a phone call from XXXX at XXXX stating that she did not want to do the walk through because she knew that there was no damage to the property. I stated that was fine. I moved out that day and returned the keys. 3 weeks later I hadn't received my deposit I received a letter in the mail stating that I owed money to the company. I then sent a detailed letter that I did not owe anything and that they needed to return my security deposit with interest via certified mail. I received a phone call the following Monday from XXXX XXXX stating that the letter was sent by mistake and that my security deposit would be mailed to me. XXXX had to resend it because the zip code was wrong.I received my security deposit but the interest was not right. I haven't heard anything else about a debt until I checked my credit report and it was there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXX credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to Quality Acceptance LLC disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to Quality Acceptance LLC again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request
Product: Checking or savings account

After 48 hours I am still unable to access my direct deposit from my employer. Capital One states that they are attempting to fix the issue but still have not responded with a time.
Product: Debt collection

Midwest Recovery Systems ( " MRS '' ) is attempting to collect a debt that I do not owe. MRS placed a negative inquiry on my XXXX credit report alleging I owe funds to XXXX XXXX XXXX. XXXX  XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means.