23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

We had XXXX accounts with XXXX XXXX XXXX. One was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.
Product: Credit reporting or other personal consumer reports

I ask this company to please send me validation and proof that this account belongs me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX  and XXXX. The complaint numbers were XXXX XXXX TransUnion XXXX, XXXX ( XXXX  ) and XXXX ( XXXX  XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX  or XXXX  to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Credit Limit {$400.00} Pay Status Paid, Closed ; in accordance with the Fair Credit Reporting act XXXX Account # 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
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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to contact Convergent Outsourcing to initiate the dispute. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations. This complaint should serve as notice that Convergent Outsourcing may contact me in writing only regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are not reporting correctly, they are charge offs and late paymenst and accounts I do not recongnize to be mine see letter of explanation
Product: Checking or savings account

I have an account with SunTrust Bank, my debut card was limited and unable to use it ; Ive tried to reach out to SunTrust to my account status, On XX/XX/XXXX I made a deposit of a check from my own account at another bank into my SunTrust account ; my bank on the other end decided not to honor my single party check. On XX/XX/XXXX my debit card was restricted and the funds in all of my accounts were placed on hold. As of XX/XX/XXXX SunTrust still can not tell me what they will be doing. The funds in my checking account are so rightfully mine and I have no debts to Suntrust that they need to hold the funds to cover. Theyve stated that they are closing my account however they have not yet closed my account or given me the funds from my account, a check was deposited that bounced so I understand the need to hold the funds to cover, however the amount of the check was never withdrawn so the bank didnt have it to cover it. Ive worked with the branch manager for how has tried to resolve this issue for me however SunTrust office is giving him problems and wont give either of answers about closing my account or when I will receive the balance in my checking account. The branch manager has been kind enough to keep me updated everyday and the balance in my checking account is still there, its just on a NO DEBITS status so he can not was release the cash to me. I need CFPBs help to resolve this issue with SunTrust
Product: Mortgage

I have made a payment through XXXX on XX/XX/XXXX that has been confirmed to have posted to you on XX/XX/XXXX for the amount of {$1200.00}. It is not in suspense. I have called multiple times and nothing happens. The customer service people can only email the cashiering dept. This amount should be in suspense until the other half of my payment is completed. 

This is ludicrous that I need to continue to call to see what the XXXX is going on. You are welcome to check the account history bc there have been nothing but problems since the merger.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a recent late in XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Product: Student loan

Called on XX/XX/2022 for a partial refund of {$20000.00} on my paid off student loan under the CARES act as this payment was made in XX/XX/2022. I was told my request was submitted. I called back on XX/XX/2022 asking for an update and have been told that it has been sent to the Department of Education. There has been no update in the XXXX weeks since I submitted my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian on multiple occasions because of inaccurate information reporting on my reports. On XX/XX/2021 I sent a certified letter to each bureau asking them to remove the bankruptcy that they are reporting. They are in violation as they are showing different filings dates and incomplete names for the courts that they state the bankruptcy was filed in. My request went ignored and my reports did not have an " in dispute '' comment. I have also notified Experian via a dispute on XXXX XXXX as a last attempt for them to remedy this.
Product: Credit reporting or other personal consumer reports

XX/XX/year> 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/year> 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 : Payment Was Submitted On Time : My payment for XX/XX/year> was submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference.

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: Money transfer, virtual currency, or money service

Tried to resolve this with this company, they sent me this a response. The company didn't do the right thing, they have committed fraud. This needs to be addressed and forwarded to the FTC and FBI and I will be ready for a federal lawsuit and will be in presence to every legal trial. 

As an American My Rights Have Been Violated, This company did not protect the consumer, therefore they are an fraudulent company
Product: Checking or savings account

On ( Friday ) XX/XX/XXXX, I had a posted balance of {$300.00} in my checking account. Over the weekend and into Monday the XXXX there were a few transactions on my account, including a mandatory XXXX station testing that I needed to get done. The dates on the transactions are clearly marked as the XXXX, XXXX and XXXX of XXXX, however they did not post to my account until the XXXX. All of the transactions that happened that weekend took out an overdraft fee of {$36.00} per transaction ( each overdraft after XXXX being blocked by a daily cap, but undoubtedly still hurting something like my credit score? ). The transaction list looks like this. 

Starting balance : XXXX XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees Ending balance : ( XXXX ) The ending balance after all of this happened was a POSITIVE balance of XXXX, and this is not the first such time this has happened, just the first time it has happened to this extent. Luckily the vendors apply dates to the transactions when they are posted, because it clearly shows that the last date of the transactions was XXXX for the {$2.00}. 

After seeing this in my account, I went to a local Truist Bank location and asked to speak to someone that could help me. After they sat me down, they told me there was nothing that they could do because my car insurance was set to come out on the XXXX and because it was a 'pending ' transaction, that counted against my balance without being shown, and therefore meant that the posted balance and available balances were different, and that was why I got hit with the transactions. Even though the car insurance didn't come out until the XXXX from my account, and all these transactions were posted on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts ( XXXX XXXX  XXXX accounts, XXXX XXXX accounts, XXXX XXXX, XXXX Mortgage, XXXX Bank XXXX XXXX XXXX XXXX ) by phone and app once in XXXX, twice in XXXX, and once in XXXX by phone and online. Once again via letter in XXXX for inaccuracies in reporting, as well as not authorizing the reporting. I called today to demand they be deleted pursuant to 15 U.S.C. 1681b. ( a ) ( XXXX ), as I have never given written permission to display these accounts on my consumer report. I was hung up by XXXX different associates in the Fraud department while conveying my dispute. I recorded both phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX am a federally protected consumer and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9 the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. XXXX XXXX has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. XXXX XXXX has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX  years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later XXXX XXXX and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the Information.
Product: Credit reporting or other personal consumer reports

This account is not mine and the company did not have authorization to use my personal information to open this account XXXX XXXXXXXX XXXX ... ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XXXX I have reached out to Lexis Nexis multiple times in regards to my public record bankruptcy. I have sent several letters stating that the bankruptcy needs to be removed. Lexis Nexis is reporting in accurate information per the bankruptcy court. I have provided a letter to Lexis Nexis multiple times from the Bankruptcy county clerk stating that my bankruptcy was not reported to the credit bureaus.
Product: Credit card or prepaid card

On a payment plan they set up. I got email confirmation and they are charging me late fees. Will not resolve and ive spent over 5 hours on the phone. The min is {$120.00}. Ive been paying {$150.00}
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXX XXXX Account Number : XXXX I am writing to dispute inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ) regarding the account referenced above. The following discrepancies and omissions have been identified in my credit report : # # # Specific Issues Identified : 1. **Inaccurate Credit Limit : ** The reported credit limit for this account is {$0.00}, which is inaccurate. The correct credit limit should be updated.

2. **Missing Original Creditor Name and Creditor Classification : ** The original creditor name and creditor classification are not reported, which is required under TILA.

3. **Omitted High Credit : ** The high credit amount is not provided, which is essential for accurate credit reporting.

4. **Incomplete Account Dates : ** The date of last activity is missing, which affects the completeness of the credit report.

5. **Negative Available Credit : ** The available credit is reported as $ XXXX, which is not accurate and needs clarification. 

6.Inconsistent Reporting : The payment history shows non-consecutive and inconsistent reporting of delinquency statuses ( e.g., ND for several months and abrupt jumps to CO without clear progression ).

7 Missing Data : Several months lack any data, which affects the completeness and accuracy of the payment history.

8. Erroneous Statuses : The status changes appear abrupt and do not align with the standard progression of delinquency reporting.

These issues are in direct violation of the FCRA, specifically : - **Section 1681e ( b ) : ** " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - **Section 1681i ( a ) : ** " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute.
Product: Credit reporting or other personal consumer reports

**To Whom It May Concern, ** I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were not initiated or authorized by me. In accordance with Metro 2 standards and the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be investigated and subsequently removed from my credit file. 

The specific inquiries in question are as follows : 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 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  Under these guidelines, each inquiry should accurately reflect consumer consent and proper permissible purpose. As these inquiries were not authorized by me, they violate these standards. I respectfully request that your agency follow Metro 2 format for accurately reporting and promptly removing these disputed inquiries. 

I expect your investigation to be conducted in accordance with these standards, ensuring that all records are accurately updated and any unauthorized inquiries are removed from my credit report. Please provide written confirmation of the completion of your investigation and the resolution of this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$38000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX HOPE MILLS ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask all three credit bureaus TransunionXXXX to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXXs 1. XXXX XXXX 2. XXXX 3. XXXX  4XXXX XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the threXXXX credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint again despite of the multiple previous written requests, the unverified items listed here still remain on my credit report in violation of Federal Law. They failed to comply with Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items should be removed immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XX/XX/XXXX.