23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my credit report and noticed the above items showing charged off and the XXXX in collections for more than one consecutive month, which extends the statue of limitations of how long an account should be reporting. 

According to 15 usc 1681i 5 5 ) 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 ; 1681 s 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported inaccurate information to the credit bureaus. Below are the reasons that XXXX XXXX is responsible for false reporting : 1. I requested that billing be switched to mail in spring XXXX, this was not done. 
2. XXXX XXXX did not notify me that a balance was due from a XXXX statement ( due {$1.00} ). I was not notified by email, statement via mail, or phone call. 
3. XXXX XXXX practice has been if a payment is late past a statement due date, a robo call is made. These calls protect their customers from being over 30 days late. I did not receive any notification that I was late on the XX/XX/2024 balance due of {$1.00}. 
4. The XXXX bill was late in payment ; a robo call was made ; account paid in full and XXXX XXXX reimbursed the late fee. The late XXXX payment was under 30 days late - just a few days. QUESTION : Why wasn't I notified about the {$1.00} due in XXXX? No call, no bill sent, no email - no notification. 

I called XXXX XXXX on XXXX occasions XXXX with different responses each time. One representative reported to me that the problem would be fixed. After these calls, I wrote, and sent, a letter on XX/XX/2024 to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) with no response. 

On the phone calls, I was not provided a phone number or address to write to try and resolve this issue. 

Because XXXX XXXX did not notify me that a balance of {$1.00} was due, they inaccurately reported a late payment to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Vehicle loan or lease

The original registration of the leased vehicle was issued by Texas. We moved to California. California DMV requires proof that the Lessor has paid federal taxes. This is apparently a routine document. Since XX/XX/year> I have been in contact with US Bank no fewer than 4 times. Each time they Told me the document was on the way. It was not. On the 3rd communication with the bank I spoke with a manager. They told me the document would be expedited and they were told my temporary California registration expired on XX/XX/XXXX. Nothing arrived. My most recent call to them on XX/XX/XXXX, the Bank told me they would send the document within XXXX business days. On the first two occasions they told me the document would be sent as well. I still have no document and I can not renew my registration. I am currently driving an unregistered vehicle and when, and if I ver receive proof of federal tax payment, I will be fined. The Bank has done nothing to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX. Perhaps Experian and XXXX XXXX XXXX XXXX can act like Americans for a change instead of listening to their attorneys. 
I submitted- I asked for the permissible permission used to have accessed my credit report by XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and Experian in XX/XX/XXXX that I had requested for 5 years. Experian replied - According to our records, the disputed item does not appear on your personal credit report at this time. This is false and is still on my report. 
Experian replied - Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You indicate that there is an inaccurate account listed on the credit report that need to be removed. Upon further research and investigation, according to our record you previously request to conduct a reinvestigation, we contacted the data furnishers and asked them to verify the inaccuracy of this account with which you disagree. They responded and verified that the disputed information was accurate as reported.
Product: Checking or savings account

I opened a new bank account with Citizens Bank on XX/XX/23. Citizens initiated a transfer of all my funds using my routing and account number from the bank I was leaving. ( I did not initiate this transfer whatsoever, I was just there watching. ) The total amount was {$6400.00} ( {$200.00} to savings, {$6200.00} to checking ) I was told this transfer would take maximum XXXX days. After 3 days, I called the bank and complained that I hadn't received the funds yet. They told me XXXX XXXX XXXX was holding it. After calling XXXX & XXXX, they said they released all the funds and they no longer have them. 

XXXX weeks later, both banks are having me call the other one for me to figure this problem out myself. I have been previously working with the Citizens branch XXXX, but have not been able to get anyone on the phone for a few days. Nobody seems to know where my money is or how I can get it back. There was a few times they thought they had found the problem. First, Citizens said their fraud department was holding onto it. However, upon calling them myself, they said they had no record of this. Then, the branch XXXX at Citizens said the money had bounced back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no record of incoming transfers. 
It has been over XXXX weeks since Citizens has had all of my funds, and I have been unable to pay bills or rent without the help of friends and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX owns a lot in XXXX on XXXX XXXX and attempted to sell his lot using our office XXXX XXXX XXXX. We opened title at XXXX XXXX in XXXX and the title commitment came back yesterday showing a Lien on the vacant land from XXXX XXXX XXXX which has been bought out by Capital One Bank or Capital One National Bank ( unknown at this time ). We have tried to contact Capital One Bank however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed. My client paid cash for his lot in XX/XX/XXXX and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in XX/XX/XXXX. XXXX XXXX is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the Capital One bank sign a release of lien so my client can close on his vacant lot. XXXX XXXX XXXX Complainant 1 XXXX XXXX Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter along with a copy of my official CA ID on XX/XX/2023 ( certified ) to the following credit bureaus requesting for them to update my report with the correct name/address provided and to remove all others for fraud purposes : Experian : XXXX XXXX : XXXX XXXX : XXXX It is a month later, and all bureaus have failed to adhere to the FCRA in regards to my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX  days. Again, this is NOT A 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A. Received voicemails that were unclear. B. Received letters indicating different amounts of debt -- -1st {$600.00} then {$5000.00} ( approx. ). 
C. Never received statement of presumed debt from presumed original creditor. 
D. Never received notice of validation. 
E, An erroneous credit report was filed Company is Wakefield and Associates-XXXX, Colorado
Product: Debt collection

I previously received an email from Transworld Systems Inc. informing me that they werre charging my XXXX  card for {$410.00} for a computer fraud monitoring system. If I didn't want this charge, I had to telephonically contact them and they would " refund '' this amount. I contacted them and they said they needed my bank checking account number so that they could directly credit this amount to my account. 

I immediately realized this had to be a scam because I never authorize anyone to have direct access to my bank accounts unless I had previously arranged this process. I immediately hung-up on this person and immediately disconnected my computer from their website. 

I am a retired XXXX XXXX XXXX and worked XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, etc. ) and know the above described efforts are made by fraudsters. It was also obvious from the Transworld Systems person that they were calling from a foreign country because of his heavy foreign accent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX credit score from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.
Product: Vehicle loan or lease

On XX/XX/2023 I filed a complaint against Truist Bank for withholding by overage payment and my GAP refund as the account was closed the beginning of the new year. In addition the GAP refund has been cashed by Truist on XX/XX/2023 and no one is providing me any updates except for telling me I will be getting a follow up call in " 3 business days ''. I believe it is now 4 weeks of waiting and I still have not got a call. 
The only information I have been told is that they forgot to send my overage, and then when it was manually initiated it got rejected. 
I was also told that some clients are waiting over a year for their GAP checks and that their cancellation department is very flawed and behind.

Upon filing my complaint, the GAP refund was sent and overnighted to me, but the overage was still not sent. 
I received the GAP refund check and cashed it, and figured I was done and I would just wait until my overage arrives. 

Today, XX/XX/2023, the GAP check was cancelled and reversed out of my bank account, according the rep at my bank.

I have called Truist and they have informed me that they have no clue why and they can give me an update in 3 business days.

In addition, they told me they did send the overage but they sent it to the wrong address because they did not copy my full address correctly and I need wait 15 business days for them to correct their mistake on their end.

Truist is providing no information to me and it seems as if once the complaint was closed they reversed their payment after. 

I am owed $ XXXX on the GAP refund and $ XXXX on the payment overage.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, an unauthorized hard inquiry was made by XXXX XXXX on my credit report. This inquiry was not initiated by me and is a result of identity theft. I did not apply for any credit or services with XXXX XXXX, and I have no knowledge of any transactions or accounts associated with this inquiry. 

I have already notified TransUnion of this unauthorized inquiry and requested its removal from my credit report, as it is a direct result of identity theft. I have provided all necessary documentation, including an identity theft report and proof of my identity, as required under 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ). Despite this, the inquiry remains on my credit report, and I am seeking assistance to ensure it is removed promptly. 

I request that XXXX XXXX investigate this matter and confirm that the inquiry was unauthorized. I also request that TransUnion block this inquiry from my credit report, as it is a result of identity theft and does not relate to any transaction initiated by me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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 in those account to be removed.

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 payment 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. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 XXXX XXXX XXXX, a corsune report does XXXX XXXX information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above.

Thank you for your time and prompt attention to this matter.

Sincerely, Terrieyes Melton
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX : Loan Resolution Department Subject : Request for Urgent Review of Partial Claim Agreement and Credit Bureau Report Correction Hello, I am writing to formally request the immediate review of my Partial Claim Agreement, which I originally signed with XXXX XXXX XXXXXXXX prior to the transfer of my loan to XXXX XXXX. Since the transfer, I have faced significant difficulties in having my agreement properly reviewed by your office, despite my consistent efforts to provide all necessary documentation. 

On XX/XX/year>, XXXXXXXX XXXX XXXXXXXX confirmed via email that they sent all pertinent documents to XXXX XXXX. On XX/XX/year>, I personally sent the Partial Claim Agreement to your Loan Resolution Center again, yet there has been no acknowledgment or review from your end. Instead, my account has been marked delinquent, which has been reported to the credit bureau, affecting my credit standing. 

I have repeatedly contacted your customer service agents, who consistently assure me that a request has been sent to your management office for review. However, I have not received any follow-up communication, and my issue remains unresolved. During a recent call, I was told that my only option might be to pursue legal action, which I wish to avoid by reaching a mutually satisfactory resolution. 

I respectfully request the following actions : Immediate review of my Partial Claim Agreement as previously submitted. 
Correction of any errors reported to the credit bureau due to this unresolved matter. 
Confirmation of the steps taken to address this issue and ensure that my account reflects accurate information. 


Thank you for your time and cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I purchased a Hyundai vehicle in XX/XX/year>, financing it through Hyundai Motor Finance. By XX/XX/year>, I had paid off the loan entirely. On XX/XX/XXXX, I received a Notice of Clearance ( NOC ) from Hyundai Motor Finance, confirming that there were no longer any liens on my vehicle. Subsequently, I had the lien removed from my title. 

However, despite these actions, my XXXX Credit Report still indicates an outstanding balance of {$62.00} on the loan. In contrast, both XXXX and XXXX credit reports accurately reflect the loan as paid off. I have attempted to resolve this discrepancy by contacting both XXXX and Hyundai Motor Finance, but the issue persists.
Product: Mortgage

I have requested that they remove the PMI from our mortgage several times as our loan to value is below the required 80 %, and they are refusing.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached letter to Equifax and XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.