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

I have provided XXXX XXXX with a Federal Trade Commission Identity Theft Report, along with a comprehensive cybersecurity report showing that my personal information has been leaked online over 50 times. Despite sending this documentation to their Chief Legal Officer, XXXX XXXX, XXXX XXXX continues to report these fraudulent accounts as mine to the credit bureaus. Efforts to resolve this issue amicably have been unsuccessful, and their actions are causing ongoing damage to my credit. Therefore, I am officially filing this consumer report as a preliminary step toward legal action. Attached is all the supporting documentation previously provided.
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/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion 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 : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Over the last decade, i have sent credit card payment to capital one XXXX  days before due date. it arrived in XXXX to XXXX  days, which is same as XXXX  payment also in XXXX XXXX, ill. further verification is electrical cancellation of checks from my account. my XX/XX/2022 did not clear my account for 12 days. then my XX/XX/2022 bill was assessed a {$5.00} interest charge and {$25.00} late fee. i had postal service my track my XXXX through XXXX payments. these arrived within 3 days and was signed by a capital one employee. then i stopped tracking and my next bills were assessed additional fees.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my credit report contains fraudulent accounts across all three credit bureaus ( Experian, XXXX, and XXXX ). Specifically, the following accounts are unauthorized and do not belong to me : XXXX XXXX with a {$17000.00} balance, XXXX listed as a charge-off, and XXXX with derogatory marks. 

These accounts were neither opened nor authorized by me, and no supporting documentation exists to validate their legitimacy. I have previously disputed these accounts but have received inadequate responses, leaving these inaccuracies unresolved. 

These false entries are severely damaging my creditworthiness and causing financial harm. I demand a thorough investigation in compliance with the Fair Credit Reporting Act ( FCRA ). If these accounts can not be fully verified with proper documentation, including signed agreements or applications, they must be removed immediately. 

I expect all three credit bureaus to uphold their legal obligation to ensure the accuracy of my credit report and provide a resolution promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax and XXXX separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX  XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days  after the date of receipt by such agency of
Product: Money transfer, virtual currency, or money service

Paypal permanently locked my account and will not tell me why. I am a first time seller on XXXX and opened the paypal account to receive payments for items sold. All the information I gave them was 100 % correct and accurate from my email, name, address, phone, bank account, and so forth. Again everything was 100 % accurate. I sold 1 item for the first time on XXXX  that was in perfect working order exactly as described shipped by USPS with tracking that was received by the buyer. Soon as the funds became pending in my paypal account they limited my account and required that I submit a copy of my photo ID along with a description of where I was receiving payments from. I complied with their request the very same day sending them a copy of my ID and a description that I was using paypal to receive payments from buyers on XXXX purchasing items of mine that are personal property of mine such as collectables and electronics. The item I sold was a XXXX gaming console and I included a picture of the sale from ebay. The very next day I logged onto paypal to see if the money had been released to find out that my account had been permanently banned. I did nothing fraudulent at all and 100 % complied with their request. I tried to call them but they are not offering customer service over the phone at this time so I used the message center on their website to try to find out why this was happening to me. I was passed along from representative to representative, all telling me the same thing that " the account is permanently closed and they can not provide an explanation '' and simply that " they looked into it and this is the decision they have come to ''. They are holding my funds for 180 days and will no longer allow me to use paypal in the future basically preventing me from ever selling anything on ebay ever again. This makes absolutely no sense to me as all my information was correct, I was not selling anything illegal, and the item I sold was as described in perfect working order and it is my very first sale. I did absolutely nothing wrong and they will not provide me with any explanation. I do not understand how what they're doing can even be legal as again I have done nothing wrong and provided all information to them to prove I was doing nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX XXXX {$100.00} ), and XXXX ( {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to XXXX, Equifax, and XXXX  about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Continued to contact me by phone and email after I asked them not to.
Product: Checking or savings account

I tried tranferring funds to my chime account from XXXX account. Then, my account was put on hold cause suspicious activity when both account are under my name. Chime wanted me to submit proof that XXXX account wss in my name w a bank statment but i couldnt because the account was already closed and now try and wont open my account back up and let me have access unless I send them proof of the account being closed in XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
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  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Student loan

I took out XXXX students XX/XX/XXXX from Navient. I deferred them for 18 months and have been a perfect pay ever since. The original balance was {$37000.00} and XXXX. Today they are {$59000.00} and {$60000.00} with perfect pay record? I have paid them over {$50000.00}. They adjust my payment annually based on my compensation. They even recommended I sell my car so they can raise my % rate by XXXX. Please let me know what I can do to protect myself.
Product: Vehicle loan or lease

I was having problems balancing my checking acct. at XXXX XXXXXXXX XXXX. 
I went to XXXX XXXXXXXX XXXX for help. the XXXX XXXX XXXX finance audit team, investigated my checking acct. 
that investigation, resulted in GM fin. received two [ 2 ] checks from me. only posted one [ 1 ] to my acct. at GM fin. 

both of my checks were $ XXXX.the XXXX XXXX XXXXXXXX team , that found the fraudulent {$380.00} charge, advised me, not to make up for the {$380.00} they took from my checking acct. but did not post to my acct. at GM fin. 

I currently am receiving, 6 to 8 phone calls from GM fin. phone # XXXX. 
any asst. that your agency might render, would be appreciated. 

thanking you in advance XXXX XXXX
Product: Credit card or prepaid card

Sometime last year I went into a XXXX XXXX  store in XXXX, CA to make a purchase. I was a long time XXXX XXXX  cardholder and was planning on using my XXXX XXXX card to make my purchase. The associate at the register told me that if I would apply to upgrade my current XXXX XXXX  credit account I would qualify for an extra discount. I told her I was not interested in opening another account or having my credit pulled. She explained I was only upgrading my current account to a XXXX XXXX XXXX XXXX and not opening a new account. I continued to decline and the associate continued to pressure me to accept after much back and forth I reluctantly agreed so I could purchase my items and leave the store. In order to keep my account current I decided to go online and setup auto-pay so that I would never miss a payment or become late because I know credit card companies love to charge consumers hefty late fees. Recently I became aware that my XXXX XXXX account was past due despite the fact that I was enrolled in Auto-pay. I was shocked and angry as I had recently received an email from XXXX XXXX stating my account was enrolled in Auto-pay but no payment was due at the time. After calling XXXX XXXX I discovered that I had two different accounts and Auto-pay had been setup on one of the accounts. It turns out that the associate lied and deceived me into opening an additional credit account with XXXX XXXX. The emails being sent from XXXX XXXX gave me a false sense that my account was indeed current and I had nothing to worry about. The fact that XXXX XXXX trains their associates to lie and deceive customers to open credit accounts without their knowledge is criminal. I asked XXXX XXXX to remove the negative marks from my credit because of the confusion and they denied my request. I called back several times to speak to a supervisor and was hung up on or transferred to XXXX. XXXX XXXX needs to take responsibility for there criminal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX credit card and the XXXX XXXX account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries are not associated to me or any accounts on my consumer report and is against fdcpa and has been and infringement against my rights and has caused emotional distress upon me as a consumer with your company abusing my rights using unfair debt collection practices against me remove these inquiries asap the following inquiries are false and misleading and against laws 15 USC 1692 D XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX Inquiry from XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for the past few months and NOT XXXX has furnished any proof that the 15 USC 1637 ( b ) disclosures were mailed or delivered not later than XXXX  days before the payment due date, pursuant to TILA 15 USC 1666b. Deceptive practices have taken place on behalf of these companies and they have WILLFULLY ignored, or forwarded information that I DID NOT ASK FOR. They furnished other information faster than what I ACTUALLY REQUESTED. For this, I have concluded that there is no proof of the disclosures being mailed or delivered not later than XXXX  days before the payment due date, therefore making these false entries, pursuant to 18 USC 1005. I request a block on this information, pursuant to 15 USC 1681c-2 ( a ).
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX # XXXX, is not complete and its not accurate. 

I sent a letter to Trans Union on XX/XX/year>, asking you all to remove this inaccurate information promptly as it is shielding me from purchasing a home for my family. Account : XXXX XXXX XXXX # XXXX ( It will be attached ) Several investigations have come back but nothing has been modified or updated. 

Ive requested information from XXXX XXXX XXXX concerning an account # XXXX that appears on my Trans Union credit report XXXX The account in question is listed as a closed charged-off account, which does not pertain to XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX Services seeking clarification and accurate information regarding this account. However, based on the information provided by the creditor, there seems to be a discrepancy as they do not hold any accurate records that would implicate me as the account holder. I requested a description of the several investigations and they do not provide it to me which is a violation of 15 USC 1681i7.

I am concerned about the presence of this inaccurate information on my credit report and would like to request a thorough investigation into this matter in violation of 15 USC 1681i ( 5 ) to rectify any discrepancies promptly. As per my understanding, this account does not belong to me, and the creditor has failed to provide valid information to support their claim against me. 

I appreciate your attention to this matter and kindly request your assistance in resolving this issue effectively. Please let me know if any additional information is needed from my end to facilitate the investigation further. 

Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my rights to privacy and confidentiality under 15 USC 1681. 

Account name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX not sure of last 4 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 or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Account number 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.