23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the issue I have been facing with Trans Union regarding the incorrect and old information on my credit report. Despite my numerous attempts to have the wrong addresses and names removed from my credit report, Trans Union has consistently refused to do so. 

I have been a victim of potential identity theft, and as a result, my credit report has been affected. I have contacted Trans Union, XXXX, and XXXX times to have the incorrect information removed, but to no avail. I have provided them with the correct information and proof of my identity, but they have failed to take any action. 

To make matters worse, my Social Security number is on the Dark Web, which makes it easy for someone else to run my credit. My credit report has over 33 old addresses, misspelled names and phone numbers still on it, which are known to be on the dark web. This is a serious security risk, and I am extremely concerned about the potential for further identity theft. 

I am extremely frustrated with Trans Union 's lack of action and their unwillingness to correct the errors on my credit report. This has caused me a great deal of stress and has negatively impacted my credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Trans Union. I believe that they are in violation of the Fair Credit Reporting Act, and I would like to see them held accountable for their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

On XX/XX/2019 my bill for {$64.00} did not go through when it was on auto-bill. I reached out to OSLA and they said they saw it try to come out of the bank but it was rejected. They never notified me of the rejections and gave me 2 late payments. Also again on XX/XX/2019 my bill for {$64.00} did not go through again when it was on auto-bill. This resulted in a total of 4 " Missed Payments. '' I now can not get a mortgage because of these marks on my credit and OSLA will not help me with this unfair situation.
Product: Credit card

I made an initial purchase of XXXX dollars XXXX months ago at Best Buy using citi bank. I made all on time minimum payments to have the balance paid off by the end of the XXXX year promotion. Now that the XXXX years has expired, not only has my balance reset to XXXX negating all of my original payments. They are retroactively charging me XXXX months worth of interest all at once which totals XXXX dollars. Nearly doubling the amount that I owe and then charging me an additional XXXX percent compounding interest every month on top of that. I tried negotiating with the bank to withdraw that lump interest amount and they stated I would have to pay XXXX in full in XXXX month in order to remove the lump interest amount charge. Thats just not possible for me to do unfortunately. Additionally, when I signed up for the card. I had XXXX clue that this is what was going to happen. It was not a clear and coherent term stated in the terms. I was under the assumption that after XXXX years I would have to just pay interest on what balance I had left like a normal credit card. Not this backdated lump sum of interest in addition to XXXX percent interest. Its unfair, its shady and theyre aiming to make XXXX grand off of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable XXXX XXXX XXXX XXXX XXXX XXXX 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Equifax Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding Equifaxs failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking, I have exercised my rights under this law to request the blocking of adverse information on my Equifax credit file. Despite my repeated attempts and submission of all required documentation, Equifax has failed to honor my request. 

I have provided Equifax with the following : A self-attestation letter signed by myself and an authorized XXXX from an authorized agency. 
A victim determination letter co-signed by myself and the authorized agency. 

These documents have been submitted three to four times. While XXXX has accepted the same documentation and blocked the adverse information in compliance with Section 605C, Equifax has not done so, causing inconsistencies across my credit reports. 

Equifax has repeatedly sent me the same form letters in response to my submissions, offering no meaningful human review or clarification of their denial. Additionally, Equifax has claimed that the victim determination letter I provided does not qualify under their standards, but they have not specified why. Furthermore, they have claimed that XXXX XXXX XXXX XXXX XXXX is not a recognized or acceptable agency for signing my self-attestation letter, yet they have failed to provide a list of agencies they deem acceptable. 

I am therefore requesting the CFPB to : XXXX. Investigate the methods and tools Equifax uses to deny requests to block adverse information and require that my submissions receive a full human review. 
XXXX. Request a sample of an acceptable victim determination letter under Equifaxs standards so that I can ensure compliance with their specific requirements. 
XXXX. Require Equifax to provide a list of agencies in Ohio that they recognize as authorized to sign off on self-attestation letters, given their rejection of XXXX XXXX XXXX XXXX XXXX 

As a trafficking survivor, I have followed all required steps and provided all documentation mandated by Section 605C. Equifaxs continued failure to honor my request not only violates my rights but also prolongs the harm caused by adverse information that should be removed from my credit file. I respectfully ask the CFPB to act on my behalf to ensure Equifaxs compliance with the FCRA. Also In violation, Equifax claim my dispute to block adverse information on my credit report was denied because I didnt respond to their Second attempt to provide documentation even though Ive tried XXXX times with the CFPB Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Back in XX/XX/2022 I had my car broken into in front of my home. I had a check from my business to myself that was already cashed, in my car. The thief stole my check and created a fake check which he then cashed at a XXXX XXXX XXXX. I tried called my bank, M & T bank, as well as the bank that cashed the check, XXXX XXXX XXXX, and I was told 1 ) to call the other bank ( they kept sending me back and forth ), and then finally 2 ) my M & T Bank representative said that she can not do anything since there are no laws to protect business check fraud, and they can not force XXXX XXXX XXXX to give the {$2000.00} back to M & T so they can give it back to me, so I have not been able to receive my money since XX/XX/2022. I was told to call my congressman for help but never told about CFPB until I read about it in a newspaper, and now I am filing this complaint. It seems that the banks are not willing to do anything about this because its a business checking account and there are no laws to ensure they will get their money back so they don't want to give me my money back, even though the check was an obvious fake.
Product: Debt collection

TRS recovery services sent multiple letters stating owing XXXXXXXX XXXX payments for items. They also only said I had to pay these and had 30 days to write them but I didnt receive anything else prior to them or with these letters verifying this debt. They also left a voicemail stating they will sue me if I dont pay
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN login system is very bad, I am putting correct email and password and still it says wrong credentials. When I try to click forgot password to get access I put my username. Click submit. It says : " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' When I click " Forgot Username '' it sends me same username to my email and the circle continues. I tried again to login and follow the same procedure as I am writing this complaint - XXXXXXXX XXXX_ish. The customer service phone number : XXXX is not connecting me to agent. I am stuck. 
Exceptionally, I am able to login only when I click create account ( sign up ) on experian portal - but ideally it is not the right way to login. Upon logging in today, I came to know 1 past address and phone number in experian credit report is wrong. 

>>> In Experian Credit Report : WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX WRONG PHONE NUMBER : XXXX. 
WRONG HARD INQUIRY : XXXX XXXX XXXX XX/XX/2023 ( Taken Care ) Just FYI : XXXX In XXXX Credit Report : WRONG HARD INQUIRY : XXXX XXXX - XX/XX/2023 ( Still taking care )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Subject : Demand for Deletion of Inaccurate Information and Request for Validation of Debt Dear whom this may concern, I am writing to formally dispute inaccurate information reported on my credit report and to demand the deletion of this information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I identified accounts that I believe are inaccurately reported. I am requesting that you conduct a thorough investigation into these discrepancies. Specifically, I challenge the validity of the debts associated with these accounts and demand proof of their validity, including : A copy of the original contracts with my wet signature. 
Documentation proving that I applied for these alleged credit accounts. 
These requests are made under the FCRA, which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Failure to provide this evidence constitutes a violation of 607 ( b ) of the FCRA, which states that agencies must follow reasonable procedures to ensure maximum accuracy. Additionally, under 623 ( a ) ( 6 ) of the FCRA, you are required to investigate disputes and provide timely responses.

If you are unable to provide the required documentation to substantiate these debts, I demand that you immediately delete the disputed accounts from my credit report. Please confirm the deletion in writing.

I expect a response within 30 days as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I am writing to formally dispute the reporting of a late payment on my mortgage account to the credit bureaus. I have been a customer with Guild Mortgage Company since XXXX and I have consistently made timely payments. However, I recently encountered an issue that I believe warrants correction. I have attempted to work with Guild Mortgage Company directly but they have declined to help me in this matter. 

My mortgage payment due on XX/XX/XXXX was paid on XX/XX/year>, after I was notified of the late payment for my XXXX Cycle ( Due XX/XX/XXXX but grace period up to the XXXX ). I had set up automatic payments, but unfortunately, the payment was not processed in XXXX, nor was it in XXXX. As a result, I was not made aware of the issue until I received notification. At no point was I notified via phone or letter of this failure in payment processing, leaving me unaware of any issue until it was too late. I had attempted to pay the bill manually on the Guild Mortgage Company website but was unable to do so since the account said I was already paid and up to date. 
As soon as I was informed via a phone call from customer service, I acted promptly to rectify the situation by paying the total due amount ( XXXX and XXXX ). Despite this, the late payment was reported to the credit bureaus, resulting in a significant drop in my credit score. Given my history of timely payments and the good faith effort to establish automatic payments to avoid such issues, I believe this situation reflects an error on Guild Mortgage Companys part, rather than a failure on my own.

I respectfully request that Guild Mortgage Companys review my account and the circumstances surrounding this incident. Given my long-standing history of timely payments and the lack of notification regarding the failed automatic payment, I kindly ask that the late payment report to the credit bureaus be reversed. This gesture would be in line with the cooperative relationship I have maintained with Guild Mortgage Companys over the years. 

I look forward to a friendly, cordial resolution to this matter. Please contact me at your earliest convenience to discuss this further.
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, KY, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$3000.00}, 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someones used my information XX/XX/2017 to get a auto loan with XXXX XXXX XXXX. I contacted the company and they refused to resolve the matter. I then contacted all 3 credit bureaus and requested the information be blocked under FCRA 605B. XXXX and XXXX removed the fraud account without an issue. Equifax sent me information as if they were investigating it as a dispute. Which is not following the rules on FCRA 605B. I have submitted my information several times. Equifax is not following FCRA 605B and blocking fraudulently information. Each time I request the information blocked a dispute is started and then the fraud information is updated instead of being blocked.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed this company is reporting to the CRA that I owe them a debt. I reached out to the company on various occasions for validation of such to which they have yet to provided any.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone keeps trying to get a XXXX card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX card. I applied in XX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.
Product: Credit card or prepaid card

I started to notice small charges around middle of XXXX, but I didn't pay to close of attention to the small charges until late XXXX because I had only used the card twice since I received it. I called Avant in total confidence that the issue would be taken care of promptly ; only to be transferred to different departments 8 times, and then a representative assured me that they would take notes and have these charges removed and cancel the card and send a new one ; this was the first call in XXXX. I called again in XXXX, a this was a repeat of the first call, but I found out from the Avant rep, that someone attempted to use the first card ( the one that was supposed to be cancelled! ) after I had already received the new one ; with all of this said, they gave me no alternative. I had to cancel the card, however after the first dispute Avant responded with ; your account has been updated ; not quite sure what this means. I'm describing the happenings in this complaint to see if I can get this account expedited. I also threw the card and I only have the last four digits Thanks in advance.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

On XX/XX/ 2020 a hard inquiry appeared on my XXXX credit report that I did not authorize. I contacted XXXX, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with Exxon.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Checking or savings account

I have a checking account set up specifically for my renter to make deposits. I rely on this money to pay my mortgage for the rented home. I had a previous account set up where the renter would deposit the rent via money orders and there was no hold placed on the funds deposited. She makes the deposit via cashiers checks, all from the same issuer, all under {$500.00} each, for a total of {$2100.00}, much less than the {$5500.00} limit per Regulation CC and Funds Availability Act When I reopened the account earlier this year, Chase Bank now puts a 10 day hold on these funds even though nothing has changed. I informed them that all transactions are under {$500.00} each, for a total of {$2100.00} each month, which does not meet the banking criteria for a hold. They have informed me that its their choice to do that, EVEN THOUGH THEY DIDNT DO THIS BEFORE. I need these funds to pay my mortgage. By placing a 10 day hold on them now, the funds are not available in time to make my payment. Today, I went in to transfer the funds as the 10days have passed, and the banking system says my funds will be available on XX/XX/22, and they are still not posted to my account. This is ridiculous and outs an unfair burden on the average American who just wants to pay her mortgage with funds that should be available immediately because they are cashiers checks.
Product: Credit card

In 2014, I applied for the Mastercard XXXX card. I received the card and was given a XXXX dollar credit limit and required to pay an annual fee of XXXX dollars. I kept up on payments for approximately 6 months and suddenly my credit was dropped to XXXX dollars. This I believe is a breach of contract -- afterall, why would I originally apply for a card that would only give me XXXX credit. I ca n't get rid of the card because it would hurt my credit score. I do n't want to pay XXXX dollars a year for a card that would only offer XXXX dollars after both parties originally agreed to a XXXX dollar credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent information that was required online by Equifax to get my annual free report and have not received my annual free report from Equifax. A recent purchase agreement I made stated my Equifax score is XXXX. XXXX has my score as XXXX. Such a discrepancy needs to be investigated. XXXX XXXX shows my Equifax score to be XXXX. 
Need help to resolve Equifax reported score of XXXX to XXXX as opposed to Equifax score with XXXX XXXX of XXXX.