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

Subject : Complaint Against for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TRANSUNION Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by TRANSUNION include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information It is worth noting that XXXX has now removed this account from my credit report and has provided me with evidence of its removal. This highlights the lack of accuracy and consistency in the information reported across the three major credit bureaus. If XXXX has acknowledged that the information is incorrect, it is clear that TRANSUNION is failing to maintain the accuracy required by the FCRA. 
I formally request that this information and the related account be removed from my TRANSUNION credit report immediately, to ensure that the data reflected in my credit history is accurate and consistent with the other agencies. 

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the following late payment accounts that have been reported on my credit report : XXXX. XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXXXXXX Late Payment Account XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Late Payment Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Payment Account I believe that these accounts have been reported in violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit reporting agencies are required to report only accurate and complete information about an individual 's credit history. In my case, the information reported is not accurate, as I have made all my payments on time and have not missed any payments. 

In addition, these late payment accounts violate the Fair Debt Collection Practices Act ( FDCPA ) as well as the Fair and Accurate Credit Transactions Act ( FACTA ). The FDCPA protects consumers from abusive debt collection practices, and the FACTA requires that consumers be given accurate information about their credit history.

Furthermore, these late payment accounts are in violation of the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). These laws protect consumers from unfair lending practices, ensure that consumers are given clear and accurate information about their loans, and give consumers the right to dispute billing errors.

I am emotionally distressed and concerned about the impact that these late payment accounts will have on my credit score and my ability to obtain credit in the future. Therefore, I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

A payment was made before the due date. I used XXXX. they said the payment should be received on XX/XX/2019 they still have not posted the payment to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts on my credit report that is reporting. There is also names and addresses reporting that are not mine.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some 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 and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Credit card or prepaid card

Paid card off in full for {$440.00} on XXXX XXXX Representative claims late fees have racked up and I owe over {$210.00} as of XX/XX/2022. 
Called a family member and lied to them saying I listed them as a reference. No references were required for this card. After learning this, I called and was told about the balance, but was told it was late fees and they would be waved on XX/XX/XXXX. I did a follow up call on XX/XX/XXXX and was told to wait until XX/XX/XXXX for the waived fees to finish processing. Called back on XX/XX/XXXX and was told the fees would not be waived and that there were no notes in the system and the confirmation number I gave was nowhere in the system. I was told it would be a few days before they could review the phone calls and see if someone did actually say they would wave the late fees on these calls. After saying this was unacceptable, the call was escalated and they are saying I am required to pay at least {$67.00} of these late fees that were slipped in after I paid off the card to a XXXX balance. They also told me they will keep attaching late fees to the {$210.00} on the account, including for this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I found out for the XXXX time in XXXX years someone is trying to steal my identity. I have signed up for XXXX which did not notify me ( not the company I am complaining about but they didn't do what they should ). I received a text from Experian that I signed up for Smart Account Money at XXXX, which I did not. I have tried to get into Experian and I can not and they won't let me. The email address and phone number is changed, they have unfrozen my account and it is IMPOSSIBLE to speak with someone to correct it. XXXX hours of either being hung up on or put in a ridiculous circle of a XXXX automated phone system and I am XXXX further along. Experian is a horrible company. They should have sent a text confirming the change in cell number and they did not. They should have sent an email confirming the change in email and they did NOT. I can't get in my account, someone is probably using my credit as we speak and I can't do anything about it because the company that is supposed to protect me is the XXXX making it so the criminal can get all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing all of the inaccurate information that I found on my credit report. These accounts are not verified and no method of verification was provided to me. Please remove all inaccuracies because it is a defamation to my reputation.
Product: Student loan

On XX/XX/year>, I noticed several emails from Nelnet.gov, regarding missed payments for a student loan. I am not currently a student and have verified by calling Nelnet, that there are no student loans on file with my SSN, and that it was likely a typo, or someone using my email to make an account. 

I was initially concerned with this being identify theft, but I do not have any student loans in my name to my knowledge. I checked with student aid.gov as well, there are no student loans in my name. I suspect this is a clerical error, or someone used my email while making an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to TransUnion about multiple inaccuracies on my credit report. They received my complaint and on XX/XX/XXXX acknowledged that there was a dispute of information appearing on my credit report. I asked them to remove all accounts with inaccuracies as a fair resolution but they decided to update the information on my file. Although they claimed to update the information on my credit profile they didnt actually update the information. My credit report as of XX/XX/XXXX has the same inaccuracies from XX/XX/XXXX. TransUnion didnt take the necessary steps to actually update my credit profile with accurate information nor did they remove it per my request. 


According to 15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Also according to 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Checking or savings account

I had a crypto.com account in XXXX. I got married and changed my name and phone number, so when I went to access the account I was unable to verify myself. Since I had a new name I simply made a new account. The account worked for about XXXX  months, then suddenly I was not able to make any transfers or withdraws. Conveniently I was still able to deposit money. When I went to set up my wallet for withdraws I kept getting an error message that said my SSN was associated with another account, which was my old account. Since the beginning of XXXX I have been trying to resolve this issue. I have spoken to at least XXXX representatives about it, most of which close the chats before I am even able to get a resolution. I have been transfered to the head departments to rectify this issue. I lastly spoke with someone via email and it took over 20 days to get anywhere. They finally sent an email stating my old account is now retired, but today when I went to log in again and set up my wallet I got the same error message again!!! After nearly 60 days trying to solve this. There is money in there that belongs to me that I can not do anything with while my bills are literally behind and this is completely unfair! I have sent all of my identification to verify myself, I need help I am getting nowhere with this!
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 XXXXXXXX # XXXX # XXXX, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. 

After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in XXXX but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money or not I would have not made such a big case out of it because I did not have all that much money in my account. What is concerning is that I am certain that the way PayPal limited my account is not an exception. 
my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 ; I was notified that a name under my social security number is showing up. This name is not mine and I have not attempted to apply for any credit. As this is not my name with a XXXX at the end, this is believed to be fraudulent activity and coinsides with the notification that my name is also showing up under another race. I have attempted to resolve this issue with no results. I would like the inquiries removed from my report as I did not apply for any credit. Thank you for your time and support.
Product: Mortgage

This is a complaint about ditech financial LLC mortgage. Their underhanded tactics in making XXXX elderly seniors lose their home. They received my payment on XX/XX/XXXX through their website. They did not apply my mortgage payment to my loan, they placed the money in a unapplied suspended account fund. They receive the full amount for my monthly payment that was due for the month of XXXX. I spoke with one representative on XX/XX/XXXX and another representative on XX/XX/XXXX. Both representative stated they will send a letter to correct my account. But nothing has happened it's been two weeks now. So I decided to send a letter Written Letter a Notice of Error to Ditech Financial XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX - XXXX 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 - INQUIRIES/XXXX XXXX XX/XX/XXXX - INQUIRIES/XXXX XXXX XX/XX/XXXX - INQUIRIESXXXX
Product: Debt collection

I disputed and asked for verification of debt owed, I have yet to receive verifiable proof that I owe this debt ( such as a signed contract with my signature ). They are reporting this debt on my credit file and it is totally inaccurate. I am not aware of any debt owned to XXXX XXXX XXXX. I demand that they provide Proof Of Validation.
Product: Credit reporting or other personal consumer reports

Trying to buy a home for my family I realize there damages to my credit report. According to the 15 U.S.C 1681 law there should not be no damaging information to my credit report. It is considered defamation to my character. XXXXXXXX XXXX has refused me 1099.
Product: Money transfer, virtual currency, or money service

I might of been hacked or hacked and have been reaching out to XXXX  support about the issue since XX/XX/XXXX. I lost access to my XXXX phone number that is tied to my coinbase and coinbase pro accounts. I used XXXX XXXX  for XXXX  authentication and when I set that up I saved my recovery key in case my phone was lost, stollen etc. On my new phone I used the recovery key to generate the authentication codes on my new phone but the keys are invalid. I filled a complaint with the XXXX after getting a response via email saying my issue has been escalated and a specialist will be in contact with me within five days. I do not get contacted back about my issue until I sent multiple replies asking why it is taking so long. It has been almost six months and I still can not get access to my account I have had with coinbase since around XXXX or XXXX. The help desk contacted me back finally and asked me to make a temporary account and only upload my ID and take a selfie with my webcam to verify my identity so they could verify my account and add my new phone number. I did this over a week ago, I have done everything they asked of me ; including following all the FAQs. I have sent replies asking about a time frame to update my account and have yet to get a reply back when the help desk specialist said they would.
Product: Debt collection

If the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are required by law to respond to me within 15 days. Failure to comply could lead to fines up to {$1000.00}. 
Please send me the detailed investigation procedures for : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient continues to make it impossible to pay off my debt. The company has raised my interest rate to 10 % on several of my private loans. When I called to discuss interest rate lowered program the representative wanted all of my co-signers information as well. I am unable to give financial information for my co-signers. Also as co-signers they have no obligation to assist with my loans unless I go into default.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION XXXX WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE XXXX XXXX XXXX SECTION XXXX SECTION XXXX ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave Experian OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of XXXX USC XXXX. Credit Reporting Agency has caused severe XXXX XXXX XXXX due to the abusive and unfair practices. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX