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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of a false late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Account Information : Account Name : XXXX  Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$2900.00} Balance Owed : {$0.00} Account Status : Closed, Paid Account Type : Unsecured Loan Term Length : 18 months Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time.

Discrepancy in Reporting : Equifax incorrectly reports a XXXX late payment in XX/XX/XXXX despite no missed payments being made. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request.

Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Following inquiries were made on my account without my knowledge. I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to 15 USC 1681EB, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX  Inquiries Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has incorrect information by XXXX Never applied or requested XXXX XXXX  is complete fraud on XXXX behalf placing this account on my credit file I never applied for XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am writing this complaint on my own behalf, there are no third parties involved. I sent a packet including an FTC identity theft report, proper identity verification showing proof of address and my passport, along with a statement writing to show the inaccuracies on my credit report with Equifax. This packet was delivered via certified mail on XX/XX/2023 to Equifax. The purpose of this dispute was acknowledged in my last CFPB complaint # XXXX. After reviewing my credit report, I noticed there were numerous inaccuracies. It is understood that consumer reporting agencies are obliged to maintain 100 % accuracy for all information furnished for a consumer. The inaccuracies I noted in my dispute and written statement were on the multiple noted inaccuracies of my report, notably the fraudulent accounts listed, that are a result of identity theft, and are inaccurately still being reported. These accounts include : XXXXXXXX XXXX  - Ending in XXXX - {$6100.00}, XXXXXXXX XXXX XXXX  XXXX - Ending in XXXX - {$2300.00}, XXXX XXXX XXXX XXXXXXXX XXXX - Ending in XXXX - {$4000.00}, XXXXXXXX XXXX XXXX  XXXX - Ending in XXXX - {$5400.00}. Please do be advised, that NONE of these accounts have any cents to the dollar listed as a credit amount. Which already is an inaccurate account, by way of improperly stating the total amount owed on these fraudulent accounts. It has now been over 5 business days since this dispute was filed, and delivered to Equifax. However, there has not been any acknowledgement from Equifax in the written notes section of these fraudulent accounts that any dispute is under progress. This is a large issue, as Equifax has a duty and RESPONSIBILITY as the furnisher for my consumer report to not only uphold a standard of reporting 100 % accurate information, but also to report each inaccuracy as under dispute within four business days of receiving the request by me as the consumer. Not to mention, NONE of these accounts have ANY written permission by me as the consumer to be furnished on my report. My rights to a complete and accurate credit report as well as my rights to privacy are being harshly violated by Equifax and I will not stand for it. Please review my attached documents for evidence in what has been sent in my efforts to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I started to use my XXXX XXXX debit card at the direction of my local social security office. I was not given any choice nor advice that I could use my bank to have the funds deposited directly to my account. This started around XXXX and upon trying to reach out to the company to get results and answers I was directed time and again to a robocall to resolve the issue. I have yet to receive my XXXX XXXX payment for XXXX. No notices were sent out. In fact, absolutely no communication from Comerica bank. I am a XXXX XXXX XXXX veteran who has served honorably and I feel that I deserve much better than this!
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen due to identity verification. I submitted the requestted documents. And my account was still frozen They then suspended my account and wouldn't temporarily unfreeze it so I could transfer my money from my account which is what they had said they were going to do if they chose not to unfreeze it. I have gone back and forth with them through email since that is the only way they can be contacted. I have 48 emails correspondence with them. Finally a few days ago they emailed that they were going to make adjustments to my account which would allow me to add a bank account and transfer my money. I linked a bank account. I initiated the transfer. Verified the account receiving the transfer all of which were approved by Venmo. The money was due to be deposited into my account today. This morning. They email me that they froze my account again and wre not allowing this transfer. Which was supposedly completed according to my activity. I have complied with every request that has been given to me and still they are not allowing my money to be transferred.. {$610.00}.
Product: Credit reporting

XXXX XXXX XXXX. Removed all of my payment credit history for my truck loan for 5 years of paying on time never late because they reported to all XXXX credit agency of first XXXX late payment then second late payment due to me disputing there action on my credit soon after that my credit score went from good to poor. I applied for new line of credit and a new credit card from my own unions who I am a active member and was turn down credit due to what was on my credit and my credit score Not enough credit information insufficient credit history revolving trade highly utilized or credit line not available this is n't fair to me I just purchase my VA home in XXXX 2016 and ca n't get a new line of credit or a new credit card to transfer my balance because XXXX XXXX XXXX deleted all of my payment history from my own unions programs after paying a 5 year truck loan to establish excellent credit that I have personal worked very hard on maintaining. Thank you, XXXX bless you and your Family!
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get inquiries removed from my accounts with XXXX, Experian, and XXXX told them that they were not authorized but the companies refuse to remove them.
Product: Money transfer, virtual currency, or money service

On or about XXXX XXXX, 2017, my account to both BUY and SELL cryptocurrency was blocked ( restricted ) on Coinbase. I have no ability to sell any of my virtual currency - of which I own over {$120000.00}. I can not buy more. They are holding my money XXXX, not allowing me to access the cryptocurrency  and sell when the market drops. I have sent emails every day, sometimes twice a day. At first they ignored me. Then I started sending XXXX messages to their support team and executives. They sent me a note from a customer support rep scolding me for being impatient and saying they were working on it. On XX/XX/XXXX I got a message saying my account had been unblocked. TOTAL LIE - I am still completely blocked. This is obviously illegal and a scam. I have over {$120000.00} sitting with this company that I can not access. They ignore all requests for help, have no phone support and when I did finally reach down their corporate office phone, all you get is a voicemail or an automatic hang-up. A company that goes to great lengths to make sure no one can contact them is a scam. These people hold millions of dollars in consumer funds and have thousands and thousands of angry customer complaints all over the internet. They need to be CLOSED DOWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, transunion, XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I have been currently disputing a double charge on my bank Truist for over three months for a charge in XXXX for {$100.00}. 
The first time I dispute the transaction via web. I was given provisional credit after I received an email stating that I needed to dispute the transaction with the merchant, I followed through. I dispute with the merchant three times, no resolution. Furthermore, I also contact my bank in the matter that merchant said no record of transaction was found and can not be disputed through them. Likewise, I have proof that I emailed the merchant and a voice mail that was left. I open a claim with Truist which I received no email was informed to wait. After all this time I called again early XXXX according to the agent I had to opened another claim because the previous representative filled the information incorrectly I was instructed to wait again. No email was sent to me, I was only given a claim number. 
I called end XXXX the agents toggle my call to different departments and was only informed that I must continue to wait the call had drop. I called once again, the last agent that helped me over the phone reviewed my case and informed me both claims I opened previously were filled in incorrectly thus not being processed. 
The representative said she corrected the information and email a supervisor in regards, informed me to wait til XX/XX/2023 to call. 

I went to a Truist walk-in branch, a gentleman assisted me in regards and understood my situation. I am entitled to the money that belong to be. He was having technical difficulties with system, he transferred me over to his colleague, she assisted me to open another claim even though I had one open. 
She XXXX XXXX informed me that I must wait for a letter in the mail and the claim may not be approved due to it being past 60 days. As well as saying that the claim takes 60 days to process as well. 

Which upset me greatly because I have been more than patient with this bank to process my refund to my account which is funds that rightfully belong to me that have not been accessible this whole time. 
This was a situation that should have been solved by the second claim I made. 
I trusted the representative over the phone to do their job correctly and because they did not, I am paying the consequences of their actions. 
Her response made no sense because it also took time to dispute the transaction with merchant, and it also took time to receive answer from them. 
I only comply with what I was told at the time.
Product: Payday loan, title loan, or personal loan

I no longer have the ability to make payments online. They appear to have updated their website, and my loan is a legacy product. I attempted to make my payment for XX/XX/XXXX and found this out.

After they forced me to send screen shots, they sent me a legacy link that was supposed to allow me to make my payments. I attempted to make my payment for XX/XX/XXXX this way, and still have no ability to do so. 

The only way to make payments is to hope to get transferred to someone at Capital One that has access. That takes over a half hour. This loan is set up to be online only. Thats in the terms of agreement.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my consumer credit report. My dispute included an Identity Theft Report from the Federal Trade Commission ( FTC ) and supporting documents verifying my identity, including my drivers license, utility bill, and Social Security cardall of which Experian specifically requested for processing my dispute. 

Despite providing Experian with all necessary documentation, the company failed to conduct a proper reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). Instead, Experian falsely claimed that their so-called reinvestigation determined the disputed items should remain on my credit report. However, no actual verification or meaningful investigation took place. 

Experians failure to remove fraudulent or inaccurate information continues to harm me financially, impacting my creditworthiness and ability to secure necessary credit and services. Given Experians history of noncompliance, as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against them, I am formally submitting this complaint to demand Experians compliance with federal law and the immediate removal of the inaccurate items.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX CARD XXXX, XXXX CARD XXXX, and XXXX CARD XXXX. 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. 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This complaint is in reference to a former CFBP complaint I submitted that is now closed without resolution : XXXX. The company did not resolve my issue and in my response to their response for the previous complaint, there was no option to upload additional documentation to dispute the company 's reason for denying my complaint. 

The company referenced only a 12 month option provided by XXXX, when I have provided documentation that I was on a 24 month spread out plan. The letter they referenced for the 12 months is a general automated letter that I receive after each escrow evaluation from XXXX. In this case, I have always called in and requested it be spread out by XXXX over 24 months. See attached which shows a general letter mailed to me with the 12 month option, then a follow up letter showing the 24 month granted by XXXX. Prior to the transfer, I had already asked XXXX ( in response to the general 12 month option ) to spread it out again over 24 months. They agreed and submitted the request as usual. Unfortunately, before the process was completed again, XXXX XXXX assumed XXXX XXXX accounts before the 24 months was extended for this new term. XXXX XXXX needs to reference the documentation I have attached to this complaint showing my history with XXXX of payments being spread over 24 months in response to the 12 month initial offer. As a consumer, I have the right to the same processes as XXXX allowed me, not new rules with a percentage that XXXX XXXX has that is obviously different that what I have been allowed with my previous lender. I will continue to fight for my right to have 24 month spread out as I was with XXXX even if I have to take this to court and present proof of this. I am not willing to refinance. I want the same option I had before coming to XXXX XXXX. I am just now getting caught up with my finances after this new home purchase and can not afford this new rule XXXX XXXX has that XXXX didn't have.
Product: Money transfer, virtual currency, or money service

Just recently my account with taptap send remittance was hacked by a hacker and I immediately contacted them for an unknown recipients and the hacker almost got the money from my bank account. The taptap send permanently suspended my account without asking me for a verification that the account is mine not hackers account. I tried to create another taptap send account by using my sons XXXX and phone number as well as different bank account and email address but taptap send permanently closed my account again without verifying my identity. I warned them that I will file a complaint against them but seemed to me that they dont care at all. The taptap send never offered a resolution on the issue. They think that everything is a joke and thats why they have no intention to resolve an issue. I hope that the taptap send company will be punished so they will learn a big lesson.
Product: Debt collection

This debt was paid in full to XXXX XXXX  hospital
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX Owed : {$11000.00}.
Product: Mortgage

My husband and I are refinancing our existing mortgage with XXXX XXXX XXXX, currently our mortgage is with XXXX XXXX. We also have a home equity line of credit with BB & T bank. We want to maintain our BB & T equity loan. XXXX XXXX has contacted BB & T several times to make arrangements for the change of the new mortgage and has repeatedly been told that they do not have a department to take care of that service. We are senior citizens and my husband has repeatedly called BB & T and been given the names of people to take care of the situation and when XXXX XXXX then contacts that individual they are told that they do n't handle that. At this point in time it has become very stressful because it will delay settlement.