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

Complaint Against XXXX XXXX Inaccurate Late Payment Reporting & FCRA Violations To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX for inaccurate credit reporting and failure to correct errors in violation of the Fair Credit Reporting Act ( FCRA ). XXXX  has reported multiple false late payments on my auto loan account [ # XXXX ], despite these errors being caused by their internal processing failures. The affected months are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Issue Summary These late payments were not due to my failure to pay but rather XXXX XXXX payment processing errors : XXXXXXXX XXXX XXXXXX/XX/XXXX : I submitted payments on time, but due to XXXX  internal processing delays, they were not posted until after the due date. 
XXXX & XX/XX/XXXX : XXXX  third-party payment processor held my transactions in " pending '' status, causing artificial delays. 

XX/XX/XXXX : An ACH processing failure affected my payment, which I corrected immediately, yet XXXX still reported it as late. 

FCRA Violations & Consumer Rights FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must report only accurate information. XXXX XXXX knowingly reported false late payments caused by their own system errors. 

FCRA 1681i ( a ) ( 5 ) ( A ) : If a consumer disputes information and it can not be verified, it must be removed. XXXX  has failed to provide proof that these lates were due to my negligence.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes and correct inaccurate reporting. Despite multiple disputes, XXXX refuses to correct these errors. 

Harm Caused As a result of XXXX XXXX misreporting, my credit score has suffered significant damage, affecting my ability to obtain financing.
Product: Credit card

On XXXX XXXX, 2015, I learned that my credit card had been compromised via a text message from my bank, USAA. I called the company immediately and I thought I had made all arrangements necessary to have the card formally reported compromised to the card issuer, turned off, and a new one sent to me. A week later, I found out the bank had not turned off the card nor reported it to the card issuer. The representative of the bank stated that this was because our phone call had been cut off near the end of the call, and that the bank 's representatives are forbidden from calling customers back to complete the process, nor will they proceed with the actions being taken. Customers are not informed of this. In my case, this meant I did not know that my account was still vulnerable for a week.
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANRUPTCYDISMISSEDXXXX
Product: Credit card or prepaid card

On XXXX 2020. I went inside Mechanics Bank XXXX XXXX in XXXX California to withdraw XXXX dollars out my pre paid XXXX  XXXX XXXX card from unemployment benefits. The teller asked me to give her my card for the transaction, so I did as she asked. She came back to the window and explain to me the transaction for the withdrawal was approved but she couldnt issue me my money due to a bank code my bank card did not issue. She explained to me that the money came off my card, but she could not release the funds to me. She said that the problem had happened to a fair amount of other people. But it was nothing they could do, that I would have to wait for it to be returned to my card. I notified the XXXX  XXXX XXXX financial division thats over the account about the transaction, but they say the money posted as a withdrawal. I went back to Mechanics Bank in XXXX California on XX/XX/XXXX to do a follow up with the bank manager. She said that they still see the transaction, but its nothing they can do. That I just had to wait until it goes back on my card. Its been over a month now, and the reversal of funds still hasnt happened. I think there is fraudulent transactions going on at the bank, because Im not the only victim here. We are in the mist of a pandemic and recession and for them to take advantage of people on unemployment is totally unacceptable. Please investigate this matter so I can get my funds back to take care of my family during these harsh times. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently found a unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as this is obstructing my ability to obtain credit. This account stems from identity theft. 

XXXX XXXX XXXX Account # : XXXX
Product: Bank account or service

A fraudulent account was opened online in my name. Suntrust Bank was notified that it was opened and it was not me who opened the account. They " said '' they reported it to their fraud team for review and I would hear something within 24 hours or by closing time the next business day. I went to a branch of the bank to try and get help and my accounts were totally blocked. I spent 1 hour at a branch verifying my identity and I was told that only someone from the fraud team could unlock my accounts. I received no phone call from the fraud team within the 24 hours, so i called them. The fraud team at XXXX told me that they can not unlock my account, it has to be done in a branch. I STILL DO NOT HAVE ACCESS TO MY MONEY!
Product: Debt collection

I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for XXXX accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all XXXX of my credit reports for XXXX companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on XXXX for XXXX accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for XXXX of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.
Product: Credit card

I am writing to formally complain about Barclays failure to process a credit balance refund on my closed Banana Republic card account. I requested a credit balance refund from Barclays on four separate occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these multiple requests, the refund check was never received. I contacted Barclays each time and requested alternative refund methods, such as transferring the balance to another Barclays card or electronic transfers, but these options were declined. Barclays has yet to resolve the issue, leaving my account without the credit refund initially requested months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$610.00} XXXXXXXX XXXX XXXX XXXX Balance {$300.00} Inquiries : XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request to Delete closed accounts. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #, along with original contract with legally binding signature. 
Closed accounts on my credit reports are inaccurate and not reflecting accurate information throughout each bureau. I request complete deletion immediately. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { XXXX XXXX XXXX XXXX } { ac # XXXX } { Reason for Dispute : Grantor closed my account unlawfully after i requested late payment removed due to improper reporting and inaccurate information thus my reinvestigation request which was violated and never answered. instead creditor/grantor closed account with no notice. this constitutes fcra violation. This closure will affect my credit rating, worthiness and reflects inaccurate negative status. i will be pursuing legal action for punitive damages and improper procedure as per fcra law } { this account was closed by grantor and still reflects as open, i request immediate deletion } 2. { XXXX } { ac # XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } 3. { XXXX XXXX XXXX  } { ac # XXXX } { opened : XX/XX/XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } Lastly, please remove all non-account holding inquiries over 30 days old from my credit file. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results including deletions of these accounts and inquiries off of my reports Truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. After thoroughly reviewing the information provided by your agency, I have identified some inaccuracies.
Product: Mortgage

Loan #XXXX was sold to SLS (specialized Loan Servicing) XXXX, XXXX. A dispute regarding funds deposited with XXXX, previous servicer existed and were not related to SLS causing my payment to dramatically increase with little or not adjustments to my hazard insurance or tax base.   The figures causing my payment to go up do not accurately reflect funds that should have transferred from previous servicer to current servicer of my loan.  Discussions with SLS on XXXX and again on XXXX indicate discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that I have strange activity in my credit report. It seems like somebody just filed fraud accounts I can not understand how that possible. But I kindly asking you to delete them all as these account and inquiry are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the inaccurate credit reporting made by Equifax. On XX/XX/2023, my XXXX XXXX XXXX XXXX account, which had been paid off and closed, was reported to have a balance of {$630.00} by Equifax. 

I would like to bring to your attention that this is a completely inaccurate report, and it has significantly affected my credit score. I do not owe any amount on this account, and it has been paid off and closed in full. This false report by Equifax has damaged my credit score, which has impacted my ability to access credit when I need it. 

This is not the first time that Equifax has reported inaccurately on my credit report. This incident has further raised concerns regarding the reliability and credibility of Equifax 's credit reporting process. It is disappointing to see such errors that affect the credit score and financial standing of individuals. 

I urge you to investigate this matter and take prompt action to remove this incorrect information from my credit report. I am hoping for a swift resolution to this matter and would appreciate a response from you as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXXXXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX NCB XXXX {$15000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$490.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2600.00} XX/XX/XXXX XXXXXXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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

I already reported that Santander XXXX reported me as being charged off for XXXX dollar because of fees that they charged me after my car was paid off. The problem is that they told me three times that they would take monthly payments and that I would be be in good standing. It's on their chat talk web site that they said I could make monthly payments on these " rip off '' charges and that my pay off would be without consequence with these monthly payments. When I called them ( several times ) they admitted that this was said by them. They then said that they told me the opposite on their web site also. What confusion! 

I paid three times what the car was worth, Paid off the car. Then I was put on recored as my loan being charged off when their fees are paid. I should have never been reported as being 90 plus days late on this account. I also should have never been reported as being charged off for XXXX dollar.
Product: Checking or savings account

I'm a small business owner. I have a business account with BMO bank and they opened the business after i met all requirements. I submit a check from a client. The next business day which was a Monday they freeze the acount. They tell me this is protocol because my address is different from business address. Then they tell me a few business days. I call and ask why is my account frozen and only an Anaylst assigned to my account can talk to me. Seven days later they tell me someone tried to make a charge on my debit card internationally, but how on a frozen account and card in my possession. Then I'm told it's hard to believe that someone like me can deposit a $ XXXX check and they need 30 days to investigate me.Then they make me email my contract to prove that I contracted with XXXX and a sample invoice. I contact my client to cancel the check only to find out the bank made good on the check the first day I deposited the check on XX/XX/XXXX and fully cleared XX/XX/XXXX and the client provides proof. I am then told to email proof to the fraud department which i do. I further send in transaction information from XXXX to the analyst as well. I finally get the back office info for XXXX bank and contact them and they have me send an email to that department as well. On Saturday XX/XX/23 i go into the bank in XXXX, Ca and my account is further notated to show them again my business formation paperwork. The Analyst XXXX XXXX stated that she would not remove the freeze until XXXX calls her directly and confirm the check. XXXX does not do that and BMO bank should know that. I have gotten eviction notices, disconnected power, couldnt make payroll, pay my business insurance, credit cards or anything because a bank vetted me to open account and when i use the account i become suspicious and treated this way. The analyst further refused to speak with me as well as her boss refused to speak with me. My business is XXXX XXXX XXXX same name account is in. The website is XXXX I am XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX/2019 : Company = XXXX XXXX XXXX Company : Left a voicemail Me : Checked online account, noticed late payment. Late payment due to returned check. 
Note : Spoke to XXXX from XXXX. I recorded our conversation. I have payment confirmation emails referred to below and a screenshot of the payment screen. 

Complaint : The website, on the payment screen, says that the payment will be posted the day the payment is submitted and the transfer of funds will be completed within 2 business days. This is also said in the payment confirmation email. I planned accordingly and closed my checking account on the 3rd day. Since the payment was processed post-closing, a return check was resulted. If the bank was able to, at the least, post the payment to my bank account then it would have been fine, because all posted/pending payments were funded when I closed the checking account.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that there were unauthorized inquiries made : 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 I contacted the above stated creditor accounts whom placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately re-investigate these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures and proof used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 

ATTACHED IS A NOTARIZED STATEMENT FOR RE-INVESTIGATION, COPY OF ID AND SOCIAL, OFFICIAL COMPLAINT FROM IDENTITYTHEFT.GOV AND PROOF OF ADDRESS. THERE ARE XXXX TOTAL ATTACHMENTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2025 Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report I am writing to formally dispute the inaccurate information on my credit report that is negatively impacting my financial well-being. I am well aware of my rights under the Fair Credit Reporting Act and am requesting a thorough investigation into these inaccuracies, as mandated by Federal Law.

I recently learned that the Consumer Financial Protection Bureau has filed a lawsuit against Equifax for its failure to adequately investigate consumer disputes, citing " sham investigations '' and other illegal practices.

These practices, as outlined by the CFPB, include : - Conducting insufficient investigations that do not properly address consumer disputes.

- Reinserting previously disputed and inaccurate information without explaining.

- Failing to notify consumers about the results of investigations effectively.

These allegations reveal systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled similarly.