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

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX 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 Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
XXXX XXXX XXXX : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between TransUnion, XXXX, and XXXX in regard to the payment status and dates further indicate the presence of errors in the 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 or other personal consumer reports

I've been a victim of XXXX XXXX. My information was exposed to the public in the Equifax data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I submitted several disputes to experian. The company did not do an accurate investigation nor was it done in a timely fashion. As a result of these sham investigation. the items have been reinserted on my credit report. 

I disputed several collection claims, late fee claims as well as credit inquiries.
Product: Checking or savings account

I am filing a complaint in regards to First Tech Federal Credit Union. I was referred to opened a checking account & saving account online on XX/XX/2020, and completed the deposit of {$250.00} on the same day and have maintained the required $ XXXX balance ever since per the terms of their their referral reward of {$100.00}. In the term, it says the reward will be deposited into the saving account within 30 days after maintain {$250.00} for 30 days, which should be deposited by XX/XX/XXXX in my case. However I have not received any reward as of today. I sent secure message to the bank 's customer service but the rep asked me to provide the full name of the referrer as well as their phone number or email. However, providing such information was not noted in the terms of bonus offer, thus this excuse should not be the reason they reject my reward. I am unable to provide the referrer 's information, but had I known it was required, would have obtained it from the beginning. I am seeking help on CFPB.
Product: Credit reporting

I DO N'T UNDERSTAND WHY????? 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

U.S. Department of Education has been furnishing personal transactions to consumer agencies since 2011. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken.

This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974.

45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.

The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.

These entities knowingly violate their agreements with malice.

This is my notice to opt out as I was never given the opportunity to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I am an entrepreneur, inventor, and investor. I invested in several companies, invented two technologies, and I'm in partnership with different companies for my business. I'm a victim of identity theft, identity forgery on financial documents since XX/XX/2017 to the best of my knowledge. There are three banks, bankers, and their employees who are on call that are involved in those corrupt practices. Some bankers and call center responders are even responsible of obstruction of justice. For, I reported those practices to the Federal Trade Commission, the Federal Communication Commission, and the local police. The FTC issued me a report recommending me to go ask the concerned banks to release all information regarding my bank accounts, and all pending payments but they refused, they said those letters from the FTC don't mean anything. 
Now, I want the CFPB to take charge of the matter and see if need be, to escalate it to a federal court in order to sue those banks, other corrupt wall street managers, their bankers and backup calls responders.
Product: Debt collection

I got a piece of mail from I.C System Inc. saying i owe XXXX dollars for a phone from XXXX XXXX that opened up in XXXX of last year which i don't go through that company.. I refuse to give them any info and they hang up on me
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


Equifax : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

XXXX 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Please remove it from my credit report.

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. The inquiry was not authorized XXXX XXXX - Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As previously disputed this XXXX account is still providing inaccuracy to XXXX credit agency. I will attach a copy of XXXX past dispute response and also a copy of the credit report and whats currently reporting. The company states that the account was 30 days past due in XXXX ( rrefer to attachment ) but they are reporting that XXXX was 30 days past due on the credit report. The information is incorrect and they confirmed in their past statement that this is incorrect. The Account is also reported open and was closed on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the inaccurate information as possible.
Product: Debt collection

I was told by a representative at Sunrise Credit Services that if I pay the money owed for my account, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the account still appears on my credit report. This company made an agreement with me that they would delete the accounts from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting a gency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.
Product: Credit card

a XXXX XXXX was opened XXXX XX/XX/XXXX & charges were made in the amount of {$9700.00}. The account was charged off XXXX XX/XX/XXXX. After ignoring numerous letters demanding payment, I wrote the collectors to say I believed their efforts were a scam & to send me proof of indebtedness. They sent documents showing the debt was for a credit card that I never had & a court order that was sent to my parents ' address. Their letter was dated XXXX XX/XX/XXXX but it got it in the mail in XX/XX/XXXX. I got married & got an apartment in XXXX ( XXXX XXXX XXXX XXXXXXXX ) and have never lived at that address since. I enlisted in the XXXX XXXX in XX/XX/XXXXXXXX XXXX XXXX XXXX years later ( XXXX proof ). I have made a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Amex does not list APRs in the app. You have to logon to a browser to see the APR. with most people managing accounts with their mobile devices, it seems a weird thing to hide.
Product: Checking or savings account

On XX/XX/XXXX I gave XXXX XXXX  {$30000.00} in order to purchase CDs, in increments of XXXX, XXXX, and XXXX. XXXX XXXX is now Bank of America. The money was from the death benefit from the XXXX XXXX death of my husband. I have the original CDs and the original receipts. The money was given to the Assistant Bank Manager named XXXX XXXX. This was at their XXXX XXXX XXXX XXXX XXXX in XXXX, CT. 


On XX/XX/XXXX, I personally visited XXXX XXXX  in XXXX XXXX, CT, which is where I lived for 12 years, up until 2 weeks ago. I gave the bank manager my CDs and receipts. She stated there was no record of the CD numbers and that they did not keep records that long. She said there was nothing she could do. She told me to call the State of CT Asset Recovery and the Inactive Accounts Division of XXXX XXXX. XXXX XXXX  had no record of the CDs, nor any record of my having ever opening any account under any of my names.. XXXX ( present ), XXXX ( married name under which I purchased CDs from XXXX, or XXXX ( maiden ). I was told there was nothing they could do. The state of CT had no monies in my name waiting for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

the lender kikoff is furnishing inacuratem information on my consumer report its reporting XXXX late payments on on experian and XXXX late payments on transunion i would like these inacuracies removed from my consumer report
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice.

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Product: Debt collection

I have had this collection on my account for 3+ months which has nothing to do with me. Someone stole my identity or committed fraud because I never had XXXX XXXX XXXX. Please remove this collection ASAP that I have no knowledge of. Before this random collection I had a 700+ credit score. I have also a 100 % payment history with an annual income of 100,000+ a year, I am not struggling and this collection is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Debt collection

I have provided proof that my insurance paid the amount they say I owe. I have provided old records from the hospital who actually reported it as needing to be collected and I sent it to the credit reporting agencies and them. I have even had insurance send me proof of what they paid and what my amount was due. According to GLA I owe them {$830.00}. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX of XXXX. I talked with my insurance who went back and looked at those two events. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was done by XXXX XXXX XXXX XXXX XXXX. I was required to prepay XXXX which I did pay using the HSA card we have. The hospital XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and the XXXX XXXX on XX/XX/XXXX. Both times they charged {$1200.00}. Insurance in turn applied the discount that they have with XXXX XXXX XXXX XXXX XXXXXXXX. On both of those times the discount was {$780.00} for each date, XX/XX/XXXX and XX/XX/XXXX for a total discount of {$1500.00}. The total the hospital charged was {$2400.00}. We my discounts were applied The amount due to be paid was {$880.00}. On XX/XX/XXXX insurance paid {$400.00} and on XX/XX/XXXXXXXX XXXX insurance paid another {$400.00} for a total of {$800.00} being paid to XXXX XXXX and XXXX XXXX. The amount at that time that would have been my responsibility was XXXX. {$44.00} for XX/XX/XXXX and {$44.00} for XX/XX/XXXX. However, the hospital required me to pay {$180.00} down to even schedule the XXXX. Which I did! I reviewed this information with XXXX my insurance company and they concluded as well that I overpaid the hospital by {$92.00}. In addition, I never received any notice showing I owed this. We keep all of our bills. All of a sudden I log into my credit report and saw that GLA wanted me to pay them {$830.00} for these XXXX XXXX. In addition, the paperwork that they sent to me doesn't even line up at all with what they say I owe. I have disputed this several times and all times I denied and told its accurate when I have submitted direct paperwork from XXXX for those amounts showing their discounts, amounts they paid and my payment. I am not sure how else to dispute it.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 C, they have violated my rights by unlawful communications according to FCRA section 605B, it is illegal to report anything on my credit report without my permission please remove this negative item thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on my credit report for capital XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information on my credit report.