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

Hello Im XXXX years old and this unfortunate event has led to the destruction of my long worked for great credit. On XX/XX/XXXX of 2022 I slid on ice totaling my XXXX XXXX XXXX limited. I had my loan with XXXX & XXXX XXXX. This was my bank for the car. I owed an outstanding balance of {$7900.00} for me vehicle. After breaking my arm and wrist in the accident and needing XXXX, I called my bank on the XXXX of XXXX. So did my insurance XXXX to inform them of my car being totaled and that the full payout for the remaining amount would be paid to the within 7-10 days. XXXX XXXX XXXX was being bought out by XXXX XXXX. The worker I spoke to on the phone did not report my car as totaled after informing her so. The most important issue, when XXXX called XXXX to get the payout address THE WRONG ADRESS WAS PROVIDED BY MY BANK! but I didnt know this because XXXX thought it was correct as it should have been. XXXX would have no reason to think otherwise when asking for such basic information. XXXX sent the check out ASAP, On the XXXX of XXXX. The check arrived at its wrong destination on the XXXX. Issue is, IT WAS THE WRONG ADRESS PROVIDED! I was still unaware of this and was contacted about an issue with my car loan. Fast forward to XX/XX/XXXX. 2 months later, i received a statement in the mail, keep in mind this is first time Im informed by my bank that they had not received the check. They said I was late two months payments and now owed them {$700.00}. I swiftly called them to get this sorted out and after a 3 way phone call with them and XXXX we came to the conclusion that XXXX was provided the WRONG payout address by a bank representative and that is what caused the check being mailed to not be received in time. I reached out to XXXX & XXXX to inform them that the mistake was on their end and now Im in a bad situation unable to get a car loan because of this. They refused to help after I filed the dispute directly with them. Human error was on their end. It deeply saddens me that no one has been able to resolve this matter. The bank did not change my payment to NOT LATE, I was never late for payment on this loan and I can not go my life with this mistake on my credit report. The only further evidence I have to support my end is that XXXX released the documents to me, stating exactly the address that was provided by XXXX on XX/XX/XXXX and it was incorrect. I also then have the correct address that was provided on the XXXX way phone call that day the XXXX of XXXX when the full check was RE-ISSUED attached below. Without my diligence this wouldve never been figured out. They can not hold me responsible for a human error on the banks end. Its now affecting my life personally and Im going to have to get a lawyer if I can not find another way to get this fixed. Thanks for your help and please reach out with any questions or need any evidence. XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a collection from the company XXXX XXXX XXXX was reported with a balance of {$380.00} on my XXXX. I checked my credit using XXXX XXXX and XXXX. However, on my Experian the account is reporting at {$590.00} which reported XX/XX/XXXX. Therefore reporting amount is inaccurate, and should be deleted from my credit report due to the fair credit reporting act. 15 U.S.C. 1681 et seq.
Product: Credit reporting or other personal consumer reports

I downloaded my report back on XX/XX/XXXX, and noticed there were several things that were not accurate and incomplete. According to the fair credit reporting act When a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Department of Education XXXX, XX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXBased on 15 USC 1681s-2 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.

They sent me an investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

In accordance with 15 USC 1681i 5 they are supposed to do a Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to this law they are also supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

They did not do any of these things.

According to 15 USC 1681s-2 they are supposed to 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

I am writing to file a formal dispute regarding inaccurate information present on my credit reports from all three major credit bureaus : TransUnion, XXXX, and XXXX. After reviewing my credit reports, I have identified discrepancies in account status, dates of activity, and payment history, which violate the requirements set forth in 15 USC 1681e ( b ) mandating 100 % accuracy in credit reporting. 
Specifically, the following accounts on my credit reports are reporting inaccurate information : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX The inaccuracies include discrepancies in the following fields : * Account status : The reported account statuses do not accurately reflect the current status of the accounts. 
* Date opened : The dates of when the accounts were opened are incorrect. 
* Date last reported : The dates of when the accounts were last reported are inaccurate. 
* Date last active : The dates of when the accounts were last active are misrepresented. 
* Dates of late payments : The reported dates of late payments do not align correctly with the actual payment history. 
These inaccuracies are not only misleading but also violate the provisions outlined in 15 USC 1681e ( b ), which mandates that all information reported by credit bureaus must be accurate. 
Therefore, I am formally requesting the immediate deletion of the aforementioned accounts from my credit reports due to the violations of consumer protection laws. It is imperative that the credit bureaus rectify these inaccuracies promptly to ensure the integrity and fairness of my credit reports. 
I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to compel the credit bureaus to correct the inaccuracies and remove the disputed accounts from my credit reports. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX
Product: Credit card

Midland Funding is reporting inaccurate information on my credit profile ( XXXX, XXXX, and XXXX ). They are reporting a balance of {$750.00} ; however, I satisfied a judgment through payroll garnishment ( last payment being on my XXXX/XXXX/16 pay period ), but the company is still reporting a balance on my credit report. They have been reporting this inaccurate information for over a year now, which is a direct violation of FCRA. By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Midland Funding failed to ensure that the information furnished to the CRAs was accurate.
Product: Credit card

My job had cut my hours and overtime so it made the monthly bill was to high to pay at the moment they dint want to lower it to make it more affordable...
Product: Credit reporting or other personal consumer reports

I'd appreciate it if these inquiries were removed. I have no information about them, and the company acted without my consen
Product: Credit card or prepaid card

I let someone apply for my unemployment benefits for me, they have been using my information. I noticed my account transactions show highlighted red on every transaction when it is not suppose to be highlighted red. I don't know for sure, i also didnt get my payment for this past week yet. Someone also got my information, social security number and all.
Product: Debt collection

XXXX XXXX is attempting to collect debts in states that they are not licensed to collect in, this includes XXXX XXXX XXXX 

XXXX XXXX has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate : and the information is, in fact, inaccurate.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 S-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is the final opportunity to CURE and DELETE this Erroneous, inaccurate account from my Consumer report.

YOU HAVE 10 calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for the consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692 k.

DELETE THE FOLLOWING ACCOUNT FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 
File Number XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company for which i will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g Violations for willful noncompliance - 616.

Civil Liability for willful noncompliance [ 16 USC 1681n ]
Product: Money transfer, virtual currency, or money service

I want to report regarding an business account with CITI BANK. I closed the account last 2014 but before the account was closed there was a wire transfer. I have a invoice that a transfer was given to my account. I called customer service couple of times and I filed a report with them. They said they no longer have information about that account and they told me to go to the branch to verify it. I went to the branch but I was told it might be unclaimed money. I don't know my rights about this problem and that is why I am reporting this to CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion because I was unable to submit a dispute online. The representative I spoke with filed the dispute for me, but was unable to tell me why I could not access their online dispute website. 

She gave me the number to call the online team. I called and spoke with XXXX. I explained to her that although I was able to file my dispute via phone, I wanted to fix whatever the issue was with my identity not being confirmed. First, she said it was the browser I was using, and then she said it was because I already had a dispute filed. 

The message below is what I was given online : " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process. 

What to do : Please contact us at ( XXXX ) XXXX-XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX XXXX Mon-Fri ). You can also mail your dispute. 

If I can not get it resolved with a customer service representative, that leaves me no other options. '' I just need assistance, and I wasn't given any other options.
Product: Checking or savings account

Dear CFPB, I am writing to formally complain about HSBC USA 's handling of my account. I have been a XXXX customer for 15 years. Recently, I sold my property in the USA, against which I had a mortgage with HSBC. My relationship manager ( XXXX XXXX XXXX ) requested transaction details and assured me that everything was in order. However, two weeks later, my account was closed without prior notice. 

Despite an apology from the relationship manager for this error, HSBC has refused to wire the balance of {$79000.00} to me. Instead, they issued a check and mailed it to my address. As a XXXX citizen ( XXXX XXXX ), I can not deposit the check since no bank in my home country, nor in the XXXX XXXX, accepts it. 

It has been over a month, and I have not been able to access my funds. HSBC acknowledges the error but claims their processes prevent them from acting otherwise.

I seek your assistance to resolve this issue and ensure that HSBC wires my funds directly to me. 

Thank you for your help. 

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

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payme
nt 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion credit bureau today, Friday, XX/XX/XXXX, regarding an incorrect, wrong status on my paid in full vehicle loan through XXXX XXXX XXXX XXXX. 

The TransUnion representative and/or employee stated to me that his computer screen shows two late payments reported to them in by XXXX XXXX XXXX XXXX. 

I have attached my XXXX TransUnion personal credit report and there is no negative reporting by XXXX XXXX XXXX XXXX. 

I do not understand why this negative reporting has just hit my credit report and there does not seem to be any fair resolution to this issue. 

I am asking for a full investigation into TransUnion credit bureau as to their policies and procedures for reporting negative information.
Product: Credit reporting or other personal consumer reports

I began trying to allow Experian access to my XXXX XXXX XXXX XXXX checking account last week. The institution was found and linked. However, it only linked to the savings side of the account. The checking account is used to pay bills. Savings are for savings, not bill payment. It feels like bait & switch where a service is offered 'free of charge ' and then suddenly a glitch occurs that negates the entire action. It is especially heinous because this is with a credit reporting agency. I would think that a credit reporting agency would have more live communication with consumers due to the critical nature of the service. It is also just straight up lying when the service is offered but unable to complete. It is also indicative of a corporation that has completely severed all human contact with their consumers and opting for bots. Everything can not be solved by AI. There are many, many multiple threads of conversations online of consumers frustrated by the lack of live agents with Experian. Finally, it seems to set consumers for even more fraud as opportunists try to fill in the gap by offering access for a fee. How can a consumer determine whether these are legitimate or part of national or international fraud? Credit bureaus are supposed to serve the consumer, not their corporate overlords.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my EQUIFAX credit report, I am made aware of fraudulent activity on my credit file. There is a total of 9 inquiries on my report that have not been authorized by me in pursuit of any credit. These inquiries are fraudulent as i have not signed any applications for these companies nor have i made any request for the extension of credit. I have found numerous fraudulent unauthorized inquiries on my EQUIFAX file. Listed on my EQUIFAX report as of XX/XX/2023 is total of 9 fraudulent inquiries listed below : 1. XXXX XXXX XXXX 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX 4. XXXX, XXXX XXXX 5. XXXX XXXX, XXXX XXXX 6. XXXX ( XXXX ) I HAVE NOT AUTHORIZED ANY OF THESE COMPANIES TO ACCESS MY CREDIT FILE FOR ANY REASON. THERE HAS ALREADY BEEN A PRECEDENT SET FORTH REGARDING INQUIRY REMOVAL AS A RESULT OF IMPROPER USE OF MY USE OF MY CREDIT REPORT GIVEN THAT MY CREDIT REPORT HAS BEEN FURNISHED WITHOUT THE PROPER VERIFICATION AND CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, XXXX credit and XXXX are showing as delinquent accounts on my credit that are not my account but affecting my credit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.
Product: Student loan

I have a subsidized and unsubsidized loan with American Education Services. I have been paying a few dollars extra every month and today I reviewed the account and found out that they have not applied any money towards my principal. When I called them, they said my account is in a " pay ahead '' status and explained that the money is being applied to the principal but it just does n't reflect the account yet. I do n't understand where the extra money is going and they ca n't provide me with an accurate amount I owe stating the " system '' will figure it out if you decide to sell your loan. 
I 'm concerned that AES is not paying down my loan and in the end I will end up paying more.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumes with the necessary proof of investigation. These are the account in question of Dispute : 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 card or prepaid card

Pursuant to 15 USC 1692 ( a ) ( 3 ), I am the consumer. On XX/XX/XXXX, I sent two provisional payments to Chase via Remittance Coupon for two accounts, XXXX and XXXX. These payments were also sent with a money order, in the amount of the Stamp Duty that was owed. On XX/XX/XXXX, I received a letter from Chase stating that the payment can not be applied to my account because it contains a conditional notation. Chase sent me back the two money orders that were labeled Stamp Duty, however they did not send back the remittance coupons. They kept both of the coupons without adjusting my amount. 

I spoke with a representative from Chase and made him aware of what was happening. I was told to send the next remittance coupon to their Payment Headquarters : Chase Card Services, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

I, again, sent out two remittance coupons on XX/XX/XXXX to the address above, and I did not receive any correspondence regarding the provisional payments, and Chase is still expecting payments on XX/XX/2022 for the card ending in XXXX and XX/XX/2022 for the card ending in XXXX.
Product: Payday loan

i took out a loan for XXXX dollars and was charged an interest rate of 135 % which is not legal i have been over paying for years XXXX traded their company to cash call and about two months ago i saw that they stopped taking the money from me and did the research and saw i was owed my money back i 'm not looking for any lawsuits if i am payed my money back
Product: Debt collection

This company called Midland Credit Management is alleging I owe a debt. I 've never conducted business with this company.