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

On XXXX of XXXX, I submitted a dispute to XXXX, TransUnion and XXXX with respect to a {$14000.00} child support arrears balance as well as a {$0.00} balance for an additional child support case. The dispute letter in question detailed reason behind the dispute and the negative and adverse effect it was causing to my credit. I have been paying the debt in question on a monthly basis and it is appearing on my credit report as a collection for a non-credit fiscal duty of the state of tennessee ; not anything financed by way of a banking institution. Per the report issued on XX/XX/2022 by the XXXX as well as XXXX XXXX XXXX new initiative to remove and ban child support from the credit reporting process.No actions were taken to remove the child support in question from my credit report and I'm asking for assistance as this matter is damanging my ability to advance credit worthy status
Product: Credit reporting or other personal consumer reports

I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. The accounts in question, which include the following, were initially removed from my credit report but have since been re-reported without proper notification : XXXX XXXX XXXX. XXXXheis accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ). This constitutes a clear violation of my consumer rights. Furthermore, these accounts have different open dates and inconsistent information across the various credit bureaus, suggesting significant inaccuracies and further misconduct. The failure to notify me of the re-reporting, combined with the furnishing of inaccurate information, is illegal under multiple provisions of federal law, including but not limited to : 15 U.S.C. 1681 ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of inaccurate information to credit reporting agencies ; and 15 U.S.C. 1692g, which requires timely and adequate validation of debts. Despite my good-faith efforts to resolve this matter directly, I have been met with negligence and non-compliance on the part of the creditors and credit bureaus. These unlawful actions have caused me significant harm, including damage to my creditworthiness and undue stress. I demand the immediate removal and permanent blocking of these fraudulent accounts from my credit report. Additionally, I demand a full investigation into the practices of both the creditors and the credit reporting agencies involved in this matter. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. Thank you for your immediate attention to this matter. I expect a prompt response to this complaint, the removal and blocking of the fraudulent accounts, and resolution of these issues within the timelines prescribed by federal law. Sincerely,
Product: Debt collection

As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. ERC has received payment from through deception and misrepresentation. I have not done any business with ERC previously and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.
Product: Checking or savings account

I saw an advertisement on the REGIONS website offering a {$200.00} sign up bonus by doing a deposit of {$500.00} and XXXX debit card transactions. I had XXXX days to complete these requirements. Very simple to do, however it took nearly XXXX weeks for me to receive my debit card and when I did I activated it the same day and used it XXXX times the very same day. They have not honored their advertisement and they are still running the promotion right now. I do not understand why they are not honoring the bonus when I did the deposit and used the debit card. They seem to be trying to get out of paying the promised money by using a technicality but that is in bad faith because I did what was required and it was REGIONS that did not use a fast delivery service when everybody knows the XXXX has been delayed for over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently I got a notificationon my credit monitoring that I had a late payment. I promptlycalled Bank of America to make the paymentand asked what happened. They didnt give a clearanswer and just directed me to called XXXX XXXX I was never told why autopay was cancelled by them. My Bank of America account is still open and I have money in the account and weirdlyI wasnt even charged a late fee. They dinged my credit and I asked if they have proof that they tried to contact me but the rep just brushedme off and transferredme. I dont think they were helpful and Im sureit was their mistake and theyre trying to push off the problem.Ive been on autopay on my credit card since I opened it. They asked me if I changed my checking account or anything but nothingwas changed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am submitting a complaint to the CFPB in relation to Experian violating my consumer rights in furnishing these unverified inquiries without my written consent, that have resulted from identity theft. I have been trying to get matters fixed by writing and contacting Experian and also coming to the CFPB for help. I have been unsuccessful i'm getting matters resolved with experian Today is XX/XX/year> and I still have not received any valid proof that I authorized these inquiries. Id like monetary value for since i never authorized these inquiries. This is a result of identity theft and happened without my knowledge. Inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The FCRA states that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely report of a known responsibility and ownership. Which XXXX has failed to do. Which is why iam asking for the CFPB To assist me and to make sure my Consumer rights are not being violated any more than they already have. I have also Attached my Identity theft report, that is in relation to these fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a clerical error which left me with a payment slightly short. An agent called me to let me know I was showing a past due balance and to avoid a 30 day late, I could pay over the phone. I did so and then the company reported it anyway. I have called numerous times, filed disputes but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXXXXXX XXXX ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and Experian XX/XX/XXXX and XXXX XX/XX/XXXXXXXX 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on XXXX as a DEROGATORY, XXXX as PAID, and Experian as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.
Product: Money transfer, virtual currency, or money service

Attempting to link my bank account to an investment site and PNC is informing me that a change has been made and I cant link bank accounts.
Product: Credit reporting or other personal consumer reports

writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i request these inquiries are deleted on my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute through the credit bureau regarding Capital One. The account was settled through a debt consolidation with a remaining balance of {$390.00} due. 
Capital One nor the credit bureau have updated the account accurately with my statement of being in a debt consolidation program, nor has Capital One updated my report with the accurate balance.
Product: Mortgage

I have defaulted payments due to financial hardship the lender failed to review my loan for alternatives to foreclosure and I was forced to file for Bankruptcy XXXX XXXX. Thereafter I confirmed a Plan under Chapter XXXX and my case was temporarily closed in order to comply with the 5-year plan. During this time Covid-19 occurred and was placed on a forbearance plan and now that the forbearance is over the lender wants to foreclose. I have a current modification process pending and now said is incomplete which is incorrect I have sent all information requested. I feel the lender is trying to wrongfully foreclose my home as my bankruptcy is still pending and they have not requested to obtain relief from the automatic stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was just reviewing my credit report due to a notification that indicated a change in my score and have noticed a hard inquiry without my consent to jpmcb as I have not made this attempt and/or applied to them in XX/XX/2022
Product: Debt collection

I received an automated phone call from XXXX which stated to press 1 to speak to a person regarding debt. I reached a person XXXX who stated she was with XXXXXXXX XXXX XXXX XXXXXXXX company. She advised I had a debt with XXXX XXXX XXXX loan from 2012 for {$320.00} but with late fees and interest added on total owed is {$920.00}. When I asked her to verify the company address and or website so I could call myself before providing any credit card information she became rude and disconnected the call. I have received no further calls or any documentation in the mail advising of any past due debt or court documents of any legal action against me. I have paid my loan entirely with XXXX XXXX XXXX loan and owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Student loan

I have had one subsidized loan and one unsubsidized loan. Both reached 120 qualified payments in XXXX XXXX the unsubsidized loan was forgiven but not the other. I contacted the dept of education and they said they sent the approval to mohela but have yet to be forgiven. MOHELA is saying they dont have approval
Product: Credit card

Hi I need to lodge a complaint against Barclays credit card. I paid my deferred remaining balance of {$75.00} on XXXX XXXX but on the XXXX XXXX statement, they charged me for deferred interest charges in the amount of {$220.00}. They said they reserve the right how to apply payments. I paid {$100.00} that covered the deferred remaining balance of {$75.00} on XXXX XXXX which was the due date. I can not afford to incur additional interest of {$220.00} as I paid everything related to that balance by the promotional time period. I think it is just unfair on my part that the bank is taking advantage of it and asking me to pay additional {$220.00} and that is why I am reaching out to you. The minimum payment due was {$39.00}. Thank you.
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  Account Number : XXXX Dates of Late Payments : XX/XX/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 in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit 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 XXXX
Product: Debt collection

Company continually contacts me while I am working after I have told them not to. Company continues to contact me about a debt I believe I was wrongfully given but will not try to resolve the situation with the apartment complex that places original debt on me. Company ignored my dispute.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring to your attention a critical matter related to the reporting of child support obligations on my credit reports by TransUnion and XXXX. 

Child support obligations are not credit transactions, loans, or debts. Despite this, both TransUnion and XXXX inaccurately reported my XXXX XXXX obligations as delinquent credit accounts, violating federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have not entered into any credit agreements or loan transactions with the XXXX XXXX XXXX, yet the inaccurate reporting of these obligations has severely impacted my creditworthiness and financial well-being. This inaccurate reporting also directly contradicts TransUnions own statement that they can not report delinquent child support to credit. 

I have diligently fulfilled my XXXX XXXX obligations in accordance with the law, and it is essential that these erroneous entries are promptly removed from my credit reports to rectify this violation of my rights. 

I kindly request that the CFPB investigates this matter to ensure compliance with federal laws and takes necessary actions to correct these inaccuracies, which have adversely affected my financial standing. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds consumer rights and adheres to the law.
Product: Checking or savings account

Since early XXXX I requested my account with M & T Bank XXXX XXXX XXXX XXXX XXXX NY XXXX be closed, and XXXX be sent to me by check. At their insistence on XX/XX/year> I sent a NOTARIZED letter to XXXX XXXX via email making the request. 
As of XX/XX/year> I have still not received a check. I asked for the check to be tracked. 
I was told that it can not be tracked, because M & T employee, violated company policy and did not make a record of the certified mail tracking number, and did not make a copy of the filled out certified form. I believeTHAT THE CHECK WAS NEVER SENT - THIS IS WHY THEY CAN NOT PROVIDE A TRACKING NUMBER. 
i REQUESTED A REPLACEMENT CHECK, AND THEY EXPLAINED THAT IT WAS A BIG DEAL TO REPLACE A BANK CHECK - I don't see how this is my problem- it is their responsibility to give me my money. 
On Friday XX/XX/year> I was told that if I signed a simple form that my check would go out the fastest possible way ON FRIDAY XX/XX/year>XXXX  -and I would have it on Saturday. 
Later Friday I was informed by XXXX XXXX XXXX - General Manager phone : XXXX that due to the fact that M & T employee XXXX XXXX Consumer Risk expert delayed the generation of the form that even if I signed it that a check would not go out Friday - and would be delayed at least three days until Monday the XXXX of XXXX. 
They also said that I was informed incorrectly -= and that in addition to the form XXXX XXXX required me to do a XXXX before releasing the replacement check. Sound was required, and I do not have sound on my computer, so I had to go and access a computer with sound. 
When I received the " simple '' form - It required me to agree to reimburse M & T {$140000.00} if the original check was cashed by someone!! Also to reimburse M & T for any attorney fees, filing fees, or expenses if the original check was cashed. It also asked for me to post a bond! It asked me to agree to XXXX XXXX XXXX requirements- but didn't tell me what they were! I could not sign such a form without consulting an attorney - and I do not see why I should be put to this expense because of M & T Banks SEVERAL mistakes.
Product: Credit card

Synchrony Bank handles the Credit Card for JC Penney. I realized I was getting late fees last year after making 16 payments during the year. I called the credit card and was told that the bank was receiving my payment too early so it did not recognize my payment when it issued my new bill. They did offer me XXXX {$35.00} refunds but could not go back into the account any further. This issue started in XXXX of 2016. I asked if I could talk to a supervisor and was told they could not help me. 
I contacted Department of Banking and Insurance who referred me to you with a Tracking # of XXXX. It seems I can not even speak to Synchrony Bank and do not know how to handle from here. They changed my due date and told me that should remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 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 shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit reports.