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 TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have been unable to access my XXXX XXXX or TransUnion Consumer Credit. I have contacted the firm over the past year for assistance and can not get a representative in the United States. I am transferred to XXXX and unable to get the assistance required. I have been advised by the representatives in XXXX that I am the problem and hung upon. The representative lied and stated that he was located in Illinois. When pressed, he confirmed that he was in fact in XXXX. 

I am uncomfortable sharing or discussing my personal information with a representative in a XXXX  country. Most organizations who use XXXX customer service representatives will have an American representative contact options. 

What is the value of TransUnion Consumer service to Americans who can not speak with a local or national representative for assistance. I can not share my personal information with someone in another country. Nor, should I be required to. Americans need their personal information to be protected from foreign agents.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IN accordance with the Fair credit reporting act # XXXX  XXXX bankruptcy. LexisNexis has violated my rights 15 U.S.C 1681 section 602 A. States i have right to privacy. 

15 U.S.C Section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

My walllet was stolen in the year 2022. The suspect was arrested and was found to have had atm cards in my name. As well as the suspect rented a car from Enterprise Rental. A private investigator reached out to me being the reason how I found about about the rental car. Later, over one year later I tried opening a new back account with several different banks and kept getting denied. I pulled my credit report from check systems and there was only one accurate report on file for me from XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Reporting incorrect information on my credit report as well as fraudulent information such as payment history, account opening dates, account paying dates, and unauthorized reporting. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 15 USC 1681 section 604 ( a ) section ( 2 ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Im opting out of any and all monthly reports as they did not have my authorization to report. According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered multiple billing inaccuracies. The late payments do not correspond with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted Check # XXXX for my monthly mortgage payment in the amount of {$1200.00}. It was cashed by Home Point Financial ( see attached PDF ) on XX/XX/XXXX. 

As of XX/XX/XXXX, this payment has not been credited to my account. The payment was not for a " suspense '' account. I have also not received via US Mail, a Monthly Statement for more than 30 days. I am not signed-up for paperless billing. I did receive notice that Home Point Financial is transferring service of my FHA mortgage to another Servicer effective XX/XX/XXXX. The loan details/outstanding loan amount provided by Home Point Financial on this notice did NOT reflect the payment in question. 

Thank you for reading my compliant. 
Respectfully XXXX XXXX
Product: Credit card

I keep getting notices that I am behind on my payments. I pay my bills through XXXXXXXX Bank " XXXX XXXX '' the bank sent CitiBank a check for {$260.00} on XXXX which they cashed on XXXX I also paid them {$370.00} on XXXX which they cashed on XXXX. I have called them four times and no can tell me where that money went. They just insist that I have not made any payments since XXXX. They just keep giving the run araound. 
Above statements have been varified by our Bank " XXXX '' as to the amounts and dates.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the Citi Premier credit card online. 

After I submitted the application I received a message denying the my request. 

I have a excellent credit score of XXXX. 

I have a checking, savings account with Citibank. I have been a loyal customer and this is how I get treated. I will be closing my accounts and taking my money elsewhere if this how they treat CitiGold clients.

I tried to call the reconsideration phone number only to be told you will receive a letter saying why we can not approve this credit card. They would not look at the application or ask further questions to " reconsider '' as that is the purpose the phone number. 

The application number is XXXX
Product: Checking or savings account

XXXX there was an incident where I my information was stolen and fraud occurred with a XXXX XXXX XXXXXXXX account. They were called and never stated to me the proper steps to take to submit a claim. My information was stolen due to my information data breach and exposure to XXXXXXXX XXXX. The FTC has been notified and a report has been made since I discovered how to submit one in XXXX. The fraudulent information in XXXX XXXX needs to be removed due to inaccuracy.
Product: Debt collection

This memorandum covers Consumer Protection, Credit Reporting, Legal Aid Request, Unfair Business Practice, and dispute for unnece ssary medical services  provided.  <P/> O n  XX/XX/XXXX   I fell and hit my  XXXX  and an  XXXX  witnessed this and called for a medic. A bystander helped me up and I was leaving to be driven home by a friend. I was stopped and informed that the medic must give me an assessment. I did not agree that I needed medical assistance. A paramedic checked my vitals ( flashlight my eyes and asked me general questions ) and we determined I was fine and I was on my way. I am now receiving a bill from Credit Bureau  Associates  for {$1300.00} for a  XXXX   ( Assessment ).   The City of  XXXX   XXXX   XXXX  - No Transport is the original creditor charging the rate of {$1200.00} for non-residents and NO CHARGE for residents receivin g medical services.  The remaining {$120.00} must be interest of some sort.   XXXX   XXXX   XXXX   XXXX  ?  XXXX  ] For what its worth, I have lived on the military installation that borders  XXXX  for almost  XXXX   XXXX .   I never received a notification of this charge ( letter, phone call, email ) despite the ambulance billing agency  (   XXXX   XXXX   )  reporting  XXXX  notices sent to my confirmed address. [   XXXX   XXXX   XXXX   XXXX   ] I am an  XXXX   XXXX  service member currently  XXXX  since  XX/XX/XXXX and  XXXX  is my insurance company. I spoke with  XXXX  over the phone today who confirmed on that date that coverage was declined since they do not approve claims of ambulance services if you are n't taken to the hospital.   XXXX   XXXX   XXXX   XXXX    ] My  cr  edit score was excellent and here we are almost a year later, I am first hearing of this and notice my credit score d rop  XXXX  points. This is detrimental to future endeavors. I must have this taken care of or the technicalities of the assessment reviewed to either eliminate or reduce the cost of this unnecessary bill. I have no record at all. Credit Bureau  Associates  agreed to attempt to mail me a copy of this bill to my  XXXX  location since I do not have access to a fax machine currently so this may take a few weeks to arrive. My best form of communication is email or I could call if required. I understand my rights under the FCRA so I am creating this memorandum for record to coordination all email traffic from this point out. [   XXXX   XXXX   XXXX   ]  A fair resolution for this problem would be to determine that medical services were unnecessary, provide proof of itemized services provided on the bill, have this bill reviewed for accuracy, remove this toll from my credit report, and eliminate or lower the cost of this collecti on.   This information has been sent to  XXXX   XXXX , Credit B ureau Associates, the Federal Trade Commission, Consumer Fi nancial Protection Bureau,  XXXX   XXXX   XXXX   XXXX  California  XXXX   XXXX   XXXX , and the California Department  of Insurance .  <P/> Thank you in advance for your time.  <P/> Best regards,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any of the below. Please remove all my credit immediately. 

Experian credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reasons for complaint it has/is causing me great financial harm along with ruining my reputation. FACT I am NOT liable for payment due to following ; Law # 1 State of Missouri Revised State Statue-Chapter 375-Section 376.782. XXXX  Law # 2 111th Congress 2nd Session PRINT 111-1, Compilation of Patient Protection and Affordable Care Act [ As Amended thru XX/XX/XXXX ] Including Patient Protection and Affordable Care Act Health-Related Portions of the Health Care and Education Reconciliation Act of 2010. Prepared by the Office of the Legislative Counsel FOR THE USE OF THE U.S. HOUSE OF REPRESENTATIVES ] XX/XX/XXXX # 3 Binding Contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Covered with NO Member Cost-Share [ updated XX/XX/XXXX ] .The Affordable Care Act [ ACA ] or health care reform law Requires XXXX XXXX to cover certain preventative care services with NO member cost-sharing. This list includes XXXX XXXX XXXX XXXX XXXX, including exam, XXXX, and including genetic testing for XXXX XXXX & XXXX XXXX when certain criteria are met. 
____________ Had XXXX [ XXXX ] at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. & reading/diagnostic by [ affiliate ] XXXX XXXX XXXX. XXXX XXXX sent me a billing statement I called numerous times & sent letter explaining I was not liable for payment per XXXX. 

On XX/XX/XXXX XXXX XXXX sent me to Account Resolution Corp., XXXX XXXX, XXXX, MO XXXX for medical non-payment of {$140.00}. Ive learned this was for reading of my XXXX by XXXX XXXX XXXX XXXX [ affiliate ]. XXXX XXXX NEVER should have sent me to collection agency due to above mentioned two [ 2 ] LAWS & the fact of having a Binding Contract with XXXX XXXX stating same as laws. 

Received notice thru letter [ XX/XX/XXXX ] from Mr. XXXX XXXX at Account Resolution Corp., Acct. xxx, XXXX File # xxxx. Called [ XX/XX/XXXX ] & explained I am NOT responsible for payment per XXXX because its a Preventative Screening Test my Primary insurance XXXX XXXX XXXX XXXX is responsible for payment. He said he would call them. 

I applied for a loan in XX/XX/XXXX started receiving lots of rejection letters due to DEROGATORY PUBLIC MARK on my Credit Report for medical non-payment. Called Mr. XXXX he said he sent me to the 3 Bureaus [ NEVER should have sent me per above ] because he received a generic standard letter [ no real or supporting information ] from my Primary Insurance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ID # xxx, XXXX   XXXX, XXXX, GA XXXX, [ customer service ] XXXX. 

Mr. XXXX said I should be happy-only {$35.00} is left on account. I Asked who, when & why wasnt full amount paid since it was paid on? He replied, He did not have that information in his/my file. [ hung up on me ]. 

Sent Mr. XXXX letter [ XX/XX/XXXX ] asking if he thought I was responsible for payment to send me documentation. Also, Record fact I am disputing having any obligation for this debt. Along with letting the 3 bureaus know Im disputing. [ never heard a reply from Mr. XXXX to date ].
Product: Debt collection

XX/XX/XXXX I got a letter from XXXX XXXX stating the account ending XXXX I wasn't responsible for any pervious and further balanced on this account due fraud. But now I have a collection on my credit report from LVNV Funding LLC/ Hasted XXXX XXXX still showing I owe for this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Finan I Inquiry fromXX/XX/XXXX Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
Product: Mortgage

RE  : modification and  RICO Enterprise  Bank of America must face claims that it and another company violated federal anti-racketeering laws by denying loan modifications to eligible borrowers, a federal appeals court The ruling by the  U.S. Court of Appeals for the Tenth Circuit  reinstates purported class claims by  XXXX   XXXX  and other borrowers that Bank of America and  XXXX   XXXX   XXXX   (   XXXX   ), a  settlement company, feigned compliance with guidelines under the Home Affordable Modification program  ( HAMP )  while modifying as few loans as possible.     Massive consumer victory upholds claims that  BOAs HAMP  mortgage-modification program was a   RICO enterprise The nations seconds largest banking institution, Bank of America must face a class action lawsuit over RICO and promissory estoppel claims for conspiring to obstruct, delay and deny their Home Affordable Modification Program ( HAMP ) applications.
Bank of America must face claims that it violated federal anti-racketeering laws by denying loan modifications to eligible borrowers, a federal appeals court The ruling by the U.S. Court of Appeals for the Tenth Circuit reinstates purported class c  laims by  XXXX   XXXX  and other borrowers that Bank of America and  XXXX   XXXX   XXXX   (   XXXX   ),  a settlement company, feigned compliance with guidelines under the Home Affordable Modification progra  m ( HAMP ) while modifying as few loans as possible.
I feel the BOA has on so many levels absolutely is a RICO ENterprise and has put me in the in the the group of modifying as few loans as possible in the correct modification best see fit to assist me.
I did file an appeal in my last modification because of the status that my husband was unemployed. My service lender at the time said nothing else could be done! SO once again your facts are completely inaccurate and again unwillingness to have a mortgage loan forgiveness principal reduction or rate adjustment I am completely confused on how you can state a interest rate does not factor in until after a trail period?? I will not agree to a trail period without knowing what interest rate I am at?
Product: Mortgage

Central Bank of Missouri has held our money for almost a year now. During closing the original owner was to fix the foundation and we were asked to put up {$3000.00} just in case if the job went over. That was agreed upon by all so we gave them a {$3000.00} check until the work was done. Once it was done, the appraisers went back out to check the job and lowered the value of the home due to the paneling that was taken down in the basement, and a fence that was uprooted during the repairs. We were able to repair the fence on our own but the basement is still being redone after the paneling was taken down for the repairs. Central Bank has kept the money saying that the value of the home is less and has changed the reason why the money was kept. We have tried many times in good faith to get the money back but they refuse. They changed the reason why the money was held and refuse to give it back.