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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX
Product: Credit card or prepaid card

I received an email from Synchrony bankXXXX stating that my credit card account was closed. I have always made payments on time with the exception of XXXX where I paid the account late. In either XXXX or XXXX I had an issue with this account because I paid at the beginning of the month and had been doing so since I got the card. I was charged a late fee for paying my account on the same day the invoice was made ( the XXXX XXXX. I disputed the late fee and was told that I paid it too early and the payment I made was applied to the previous month 's statement even though I had already paid that month 's installment. The phone calls I made to the bank were recorded by the bank. My payments with the exception of this month, XXXX, have always been paid before the XXXX of the month which is when the payments are usually due. Now all of a sudden I receive notification that they closed my account. I chose to go this route as opposed to reaching out to Synchrony Bank because my previous conversations with them about my account have been very unpleasant. They couldn't understand why I felt that my payment was on time be it that the invoice was made that day.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX finance ), 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: Debt collection

In XXXX  I was XXXX by and sent to XXXX. My belongings was mailed by XXXX XXXX to my home address which I did NOT ever receive my belonging. Which include my wallet with my State ID, social security number, and my credit cards, car key and house key and cellphone. My information was being theft and my credit cards was being used by the thief, I also did NOT give my consent or written agreement or verbal agreement to any third parties interfering with this diet
Product: Debt collection

Portfolio Recovery Associates , LLC bought my debt from a collection company and is now taking me to court for a debt that is 8 years old and is not even on my credit report. They have involved my husband 's work to garnish my wages. I only worked for them for 2 weeks last year as help and now is going after his company to garnish wages.
Product: Checking or savings account

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to Transunion, XXXX and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( 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 or other personal consumer reports

XXXX XXXX - XXXX XXXXThis Cfpb complaint has been filed to request pursuant to Fcra 605B 15 usc 1681 1c-2 that you the transunion credit reporting agency, block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards acconts open at XXXX XXXX  acct XXXXXXXX XXXX XXXX  acct XXXX, XXXX XXXX acct XXXXThese accts have resulted in chargeoffs appearing on my consumer XXXX credit report the aforementioned accts chargeoffs appearing on my consumer credit reports maintained by you were not opened made or initated by me. All of the chargeoffs are the result of identity theft and fraud i have attached a copy of Ftc identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts chargeoff are the result of identity theft and fraud.
Product: Debt collection

Company continues to report negatively and incorrectly on my credit report after debt has been paid. 

Continual harassment during collection process. Calling family members, and my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME GETTING THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in XXXX, and I worked with USAA to settle my account ( sometime within the year following ) for an arbitrated amount. The account was settled and closed. I find out now ( in XXXX ) that in XXXX, USAA reported that my account ( and I'm assuming me personally ) was involved in some sort of " fraudulent account transactions ''! I have no idea what this could possibly be about, but when I call USAA 's legal department, they want me to get a lawyer .... to prove my identity from 3 years ago. I live on $ XXXX, through XXXX and a small alimony payment. I can't afford to hire an attorney to dispute this, and I'm being " run over '' by a cooperation, that doesn't care that this is helping to ruin my credit. I couldn't open a new checking account a week ago, because this " alert '' has been coded so high on my report. ( And, THATS how I even found out it was there ) This needs to be investigated properly, and removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have a XXXX 's XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  and XXXX 

Nature of Complaint : I submitted a dispute to XXXX 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 : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date.

Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
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.
Product: Debt collection

The woman at XXXX XXXX XXXX XXXX XXXX  was in a foul mood from the moment she answered the phone, very threatening and aggressive in her tone and on my first attempt to get information, she just hung up On me because I asked for her name. 

I called back and she was increasingly intimidating and threatening about court and the lawyers. I asked for specific account information and proof that this was my debt, It was hard for me to understand her, she spoke quickly, I tried to explain that I have trouble understanding because of my XXXX, she was over board aggressive, said she was just going to send it to the court and threatened that my social security would be garnished and leans placed plus she was adding {$2500.00} in legal fees to the total. 

All I could understand was that this is from a XXXX collections account with House something (? ) and previously a XXXX account. I explained to her that I am XXXX since XXXX, and lost my husband of XXXX  years late in XXXX, lost everything and am on a limited budget, She did not offer options saying since you dont have anything XXXX just sending it to the court, and hung up on me again! Who does that?
Product: Mortgage

Specialized Loan Servicing, LLC refuses to acknowledge that my husband and I have hired an attorney to handle our QWR requests with this servicer because SLS has refused to acknowledge/supply documentation in response to any of our correspondence requests since XXXX. We initially contacted XXXX XXXX 's office for help with our request back in XXXX. 

XXXX XXXX, our attorney firm, sent SLS a QWR request on XX/XX/XXXX, and SLS has responded by sending the attached letter dated XX/XX/XXXX to our home and no correspondence to XXXX XXXX 's business address. 

XXXX XXXX called SLS on XX/XX/XXXX at approximately XXXX XXXX. PST and spoke to SLS rep XXXX, ID # XXXX. XXXX advised XXXX XXXX that SLS has no idea that we have an attorney representing us, and she asked XXXX to supply her the attorney 's name to which XXXX responded to XXXX by asking/stating words to the effect, " Why did SLS send a letter to my home address dated XX/XX/XXXX and to me personally stating they couldn't respond to a QWR when I have not asked SLS to supply a QWR this year? SLS has sent this letter to me because my attorney sent a QWR request. Your company is well aware that I'm being represented by counsel ; otherwise, I wouldn't have gotten this letter in the first place, and your company should be sending this letter to our attorney. '' SLS rep XXXX then replied to XXXX 's comment by stating that SLS sent a letter to XXXX XXXX asking for appropriate documentation that they are, in fact, representing the Pinedas. XXXX asked XXXX to email her the letter that SLS sent to Equity Legal, and XXXX stated she was unable to gain access to this letter to which XXXX asked, " Then how do you know your company sent XXXX XXXX a letter? '' XXXX was unable to provide a response and stated she was reading notes on her screen. 

XXXX then asked XXXX to contact the appropriate department who has access to the letter and to have the letter sent via mail to XXXX 's home address on XXXX XXXX XXXX XXXX 
As of today, XX/XX/XXXX, SLS has not supplied documentation showing they sent our attorneys at XXXX XXXX any correspondence in response to our attorney 's QWR request or in response to SLS 's inquiry stating they need proof that we've hired counsel. 

SLS refuses to provide a lien removal on our property that was initially done by XXXX which makes it impossible to refinance our first mortgage, and SLS has refused to provide documentation to our attorney that they have a legal interest in our property.
Product: Mortgage

Closing on a home, XX/XX/2019 however, on XX/XX/2019 I had to resign from my position. I will no longer be employed and the home purchase was to be financed under just my name. Without future income I canceled the purchase contract but the finance company is not willing to give a decline letter. The loan has been approved but it is contingent on employment that will end in two weeks. I have not secured a new position at this time and it appears from voicemail and email that the finance company would like to continue the process of the home purchase regardless of my employment status.
Product: Credit card

There is illicit financial flow. I suspect hidden transaction. Fraudsters advanced. I am still there. That is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.
Product: Mortgage

I am trying to get a short sale approved and had a forebearance approved. Forebearance expired during this time and I had an accepted offer from a buyer dated XX/XX/2021. As of today there has NOT been an approval on short sale due to an appraisal. First appraiser cancelled on the day of, FREEDOM MORTGAGE keeps saying they would escalate and have a BPO done NOW they are saying because loan is USDA it has to be an interior inspection appraisal. No one calls me back I have to have my realtor call them TWICE a week for months and they knew the forebearance was going to expire. It is almost like they let it expire on purpose to make me have to have a foreclosure. They told me I have to be living in home so I can't even try and look for a place to live. I am a senior citizen and my health is compromised. Now that forebearance is expired. The excuse is that an appraiser has not accepted assignment and the one that did could not do it because he did not have credible comparisons.
Product: Credit reporting or other personal consumer reports

Heres the updated version with the space removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Subject : XXXX XXXX XXXX Equifax and XXXX for Unauthorized Credit Inquiry To Whom It May Concern, I am filing a formal complaint regarding an unauthorized hard inquiry on my credit report conducted by XXXX, associated with The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX through Equifax on XX/XX/year>. This inquiry was made without my consent, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Description of the Issue : On XX/XX/year>, XXXX accessed my Equifax credit report without my authorization. The FCRA ( 15 U.S.C. 1681b ) requires that a consumers credit report may only be accessed for permissible purposes, such as express written consent. At no time did I grant XXXX or The XXXX XXXX XXXX permission to access my credit report, nor have I engaged in any business relationship with this company that would justify such an inquiry. 

Despite my attempts to contact both XXXX and Equifax to resolve this matter, neither has taken action to remove the inquiry.

Impact on Me : This unauthorized hard inquiry has caused the following : 1. Damage to my credit score, limiting my ability to secure credit or favorable terms.

2. Stress and inconvenience, as I have had to expend significant time and effort attempting to resolve this matter.

Resolution Sought : I respectfully request the CFPBs assistance in the following : 1. Investigate the unauthorized hard inquiry made by XXXX through Equifax on XX/XX/year>. 
2. Require the immediate removal of this inquiry from my Equifax credit report.

3. Ensure XXXX, The XXXX XXXX XXXX XXXX and Equifax comply with federal laws and provide a written confirmation of the corrective actions taken. 

This unauthorized activity constitutes a clear violation of my rights under the FCRA, and I trust the CFPB will investigate this matter thoroughly to ensure compliance and resolution. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I have identified fraudulent accounts on my credit report that were opened in my name without my authorization. I have already submitted a dispute letter and an FTC Identity Theft Report ( No. XXXX ) to TransUnion as supporting documentation. Despite this, the fraudulent accounts remain on my TransUnion report. 

TransUnion is obligated under the Fair Credit Reporting Act ( FCRA ) to remove any fraudulent accounts that can not be verified. These accounts do not belong to me and should be permanently deleted.
Product: Credit reporting or other personal consumer reports

I feel that Experian might be behind my wrongful denial of credit cards applications which I lose valuable credit score points upon applying. Experian is wrongfully calculating the use of credit cards but does not realize that the accounts are closed after the promotional period has ended : " Our evaluation of the inquiries on your credit report based on the number, type and recency. ( Experian ) Your average utilization of credit card accounts is currently too high ( Experian ) '' I disagree with the utilization of credit card accounts is too high because I have successfully closed out most accounts that are open or should be closed automatically. I utilized chase credit cards for promotions thus when the promotion is satisfied that I close out the account. Experian is not factoring in my ability to close out my account with a XXXX balance thus Experian is wrongfully flagging my account as if I am utilizing too many credit cards. This is untrue and should be recognized that consumers do not have to have long-term credit cards and should be able to close out credit cards upon promotional periods. I should not be obligated to use credit cards if they allow a promotional period thus the entrapment is only per promotional credit cards and not general credit cards. Experian would confuse credit card utilization as if promotional periods are not part of their understanding of utilizing credit cards where a consumer would likely close out a credit card upon successfully completing a promotional period. Experian should recognize this fault and correct so I can correctly apply and open a new credit card upon closing any older or XXXX credit cards. I am unable to open a new credit card because of this faulty understanding as to be wrongfully punished per the promotional credit cards trying to sting customers incorrectly as a conflict of interest of long-term loyalty.
Product: Credit card or prepaid card

I started the process to sign up for the Upgrade card not realizing it was not a traditional credit card. I never completed the process and sent an email to their customer service asking to cancel. No response and they went ahead and sent me a card anyway, even though I never completed the process. Yesterday I called and a machine told me that the expected wait time was 63-65 minutes and asked if I would like a call back. I never got one. Tonight I have been on hold for nearly three hours and counting. About an hour and 15 minutes into my wait I spoke to a representative who told me that he would transfer me to account services and someone there would be able to help me. Im still holding, going on three hours, and still have not succeeded in canceling my account.