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

I am filing this complaint personally. Upon reviewing my credit report, I noticed instances of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I respectfully request your assistance in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, TransUnion, XXXX  and XXXX all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my TransUnion, XXXX  and XXXX  Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX On the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was marked as being late on my credit report even though I called and made arrangements and accommodations was made. My account is now current and was current prior to XX/XX/XXXX. According to the CARES ACT " If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the XXXX national emergency ends '' I have contacted the credit bureau as well as the creditor and nothing has been done which is against the law and my rights given to me by the CARES ACT. 

Transunion is currently violating my rights given to me according to the CARES ACT by showing late payments for the above dates.
Product: Vehicle loan or lease

I just purchased a car through XXXX XXXX. One requirement in order to obtain the deal I received was that I could not put any money down and had to finance through XXXX XXXX in order to get the dealer offer. This meant a high interest rate of 5.62 % but I paid XXXX less than if I chose to get my own financing outside of the Nissan offer as the rebates would no longer apply. I was told I have to keep the loan for 4 months and then could refinance the loan with my lender of choice. I do not have any bills which require a check be mailed and I saw the pay by phone and online options. I decided to make my first payment by phone and wanted to pay a larger amount of {$4000.00} to begin paying it off faster. I was told their was a {$5.00} fee for this which is common and not unexpected. I was informed that I could only pay {$2000.00} and if I wanted to pay more, would have to call back and would be charged another fee. I feel this is unacceptable because unless I set up automatic payments online I would also be charged for online payments. also on my statement, I only see my balance and minimum payment. I do not see the interest that was charged for the billing statement. I like to verify that I am being charged properly and my statement gives me very little information. I will be refinancing as soon as I am able to not be charged yet another fee for early termination.
Product: Credit card or prepaid card

In XXXX of XXXX I became aware of my father opening multiple credit cards in my name without my consent totaling to an amount of thirty-thousand dollars. I am an the XXXX XXXX XXXXXXXX and I am not stationed in the state where this card was opened or where any of the purchases were made at. I immediately on recognition contacted all the banks that were involved ( XXXX, XXXX, XXXX XXXX, XXXX, CitiBank ) and filed a police report. Every bank except for Citibank concluded their investigations in favor of myself, declaring the debt was not liable to me but that of my father, except Citibank. Citibank has done multiple investigations and proceed to conclude the investigation with " This card was opened using a valid mailing and emailing address thus you are liable for the debt ''. Even with submitting dozens of documents including a signed and notarized letter from the XXXX office in Texas from my father stating these were opened without my consent, CitiBank still continues to hold the debt and push it to collection agencies. I have called, emailed and mailed CitiBank multiple times throughout XXXX and XXXX trying to resolve this issue with the same answer being given. This debt and XXXX lack of appropriate action is negatively effecting my Military career and position.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report XXXX evidence. Under U.S. law, these inquiries must be removed promptly. Over 9 months have passed with no acknowledgment or corrective action taken by Experian. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your help and assistance. The true bill for your company 's negligence and FCRA violation is attached. Payment is to be remitted to the address listed on the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion failed to verify the accuracy on XXXX XXXX XXXX, XXXX XXXX XXXX..The accounts are current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have 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 also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Prepaid card

On XX/XX/year> I made a purchase for {$1000.00}. It caused my account to be overdrawn. Immediately afterwards the same day a deposit was made into my account covering the negative balance I had. The following day AFTER the grace period for that transaction had expired which the grace period expired at I believe XXXX XXXX XXXX XXXX I used my card again because I looked at the time before I used the card again and it was past the grace period time to have expired and I was still charged a {$20.00} fee!. The {$20.00} fee can be waived if you deposit money to cover the negative balance before the 24 hour grace period. I live where it is XXXX XXXX XXXX The fee should've been waived. On XX/XX/year> an auto payment was taken out of my account from a merchant in the amount of {$4.00}. I deposited funds back into my account again to cover that amount as well before the grace period had expired but yet I was also charged a {$20.00} fee for this also that should've been waived. Since the fee wasnt waived for the XXXX transaction it caused a dominoe effect for the other fee to be added. I have tried to contact them and nothing has been done. This company well the supervisors at this company that Ive dealt with are Extremely Helpful when it comes to issues like this! Its the ones on the chat that give you a hard time if there was an error or misunderstanding. I just want this to get resolved quickly and fairly. Thank you!
Product: Mortgage

On XX/XX/2019, I scheduled my monthly mortgage payment for Caliber Home Loans. Caliber has an antiquated system for taking my payment and took the payment late. By taking it late, they filed a late payment charge with all my credit companies. I called them numerous times to point out this was their fault not mine and had proof of such fault in email which showcased I put the payment in on XXXX XXXX to pay Caliber on the XXXX ( when payment was due ). Caliber has been extremely rude with this situation. I've had their customer service swear at me, state this is my problem and that I should have known it would take them days to process my payment. This didn't add up so I filed disputes with my credit companies but Caliber has won them every time. I hired a law firm who was able to get one of the credit companies to remove the mark but the other two credit companies : XXXX and XXXX  still have this mark on my credit history. In addition, the law firm was in constant contact with Caliber for over a year and Caliber continued to send actual mail to me stating that they reviewed everything and they're right I'm wrong. But over the past year, they continue to call me and send me emails and snail mail about refinancing my mortgage etc. Therefore, they want my business but they're unwilling to admit they were wrong and in the process have ruined my credit life. 

I have email proof I paid this payment on time, scheduled it on time and that Caliber took to long to process this payment. That's not my fault they don't have the capability to process payments on time. Banks can take a check deposit within seconds of us uploading the check so why does it take Caliber 1-3 days to process a payment? And why are they so adamant on not fixing this situation and admitting fault? It's ruined my credit for no reason besides their incompetence. It's hurting my family and makes me never want to do business with them ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XX/XX/21 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXXXXXX 5.XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11.Ally XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!
Product: Credit card

A couple months ago I became aware of the existence of a credit card opened under my elderly mother 's nickname listing me as an authorized user. I believe her caregiver snagged the card from the mail and activated them. My mother nor I have ever used these cards. I have been sent in repetitive circles by the credit card comapny trying to get this issue investigated as the fraud it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not receive any response from any bureaus. I sent a dispute letter on XX/XX/2021. Thats over 30 days no response.They have 30 days to respond. They credit bureaus operating any way they want to. This isn't fair at all. I want these items deleted from my credit report.
Product: Debt collection

I have asked Cach LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transitions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I sent an affidavit requesting a purchase agreement from XXXX communications validating the debt held by XXXX XXXX. It was delivered XXXX and its been well over the 30/45 days threshold to be verified. It was for {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a 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

XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX  ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, Experian ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX  ) inaction we agreed to  payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
Product: Credit reporting or other personal consumer reports

Im submitting this complaint due to multiple inaccuracies on my credit report with TransUnion. My name is incorrectly listed as " XXXX XXXX XXXX, '' while the correct name is " XXXX XXXX XXXX. '' Additionally, there are multiple incorrect addresses listed that should be removed. The correct address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. '' Lastly, my employer is incorrectly stated as " XXXX XXXX '' The correct current employer is " XXXX XXXX. '' According to the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy in their reports. I request that TransUnion promptly correct these errors to reflect my correct name, address, and employer. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

Hello all, please see supporting correspondence for my complaintXXXX
Product: Credit reporting or other personal consumer reports

Inquiries were removed after an investigation of fraud and identity theft was proven.

Now after almost a year 11 inquiries that were removed SHOW back up on my report OVER NIGHT, these should be removed. There should only be 4 inquiries reporting on my Equifax credit report as of today. See attached.

All other inquiries below should be removed. 

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 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 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 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, credit repair services, or other personal consumer reports

I am submitting this Complaint to bring to TransUnion 's immediate attention a serious discrepancy in the information that they have reported on my credit profile. It has come to my attention that TransUnion is currently reporting DELETED accounts and information from other credit bureaus. I must remind TransUnion that as per the Fair Credit Reporting Act ( FCRA ), it is paramount that the information TransUnion report is 100 % accurate. Therefore, I demand that TransUnion IMMEDIATELY REMOVE these account from my credit report as soon as possible : TRANSUNION : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1300.00}. It is evident that there has been a grave oversight on the part of TransUnion Credit Bureau. The fact that TransUnion are still reporting an accounts that has been deleted by other bureaus suggests a blatant violation of the FCRA regulations. I can not stress enough the importance of maintaining accurate and up-to-date credit information, as it directly affects my financial well-being. It is TransUnion 's legal obligation to ensure that the information TransUnion report is accurate, complete, and free from errors. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is TransUnion 's responsibility to conduct a thorough investigation into the matter at hand.
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. 

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 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: Debt collection

On XX/XX/year> I was served with a lawsuit from Marcadis Singer PA on behalf of XXXX XXXX XXXX. The following business day I contacted the law firm to gather information and attempt to settle the debt. Since the initial contact, I have presented the law firm with XXXX settlement offers. On XX/XX/year> the collector I have been working with stated that their client, XXXX XXXX, had declined my good faith offers and stated that her counter offer presented was a " final offer. '' She stated that I should no longer submit additional offers as " they will not accept even {$1.00} less '', claimed to have no knowledge on the pending judgment and stated to " call back in XXXX weeks for a status update '' rather attempting to come to agreement. I was escalated to a supervisor upon my request who admitted to me the collector had provided false information and confirmed that I was misled during settlement negotiations. The counter offer presented was not final as the collector stated. I believe that the collector and law firm are in violation of the FDCPA in their attempts to collect this debt by presenting misleading information and stating false information as fact. At this time I am requesting this suit be dismissed with prejudice due to the mishandling of this account.