23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is admitting that they screwed up. XXXX has been updated and my credit score has been repaired. XXXX is still showing errors. Should be receiving paperwork from Wells Fargo on XXXX/XXXX/2015
Product: Student loan

On XX/XX/XXXX, I paid Mohela - Payment Confirmation # : XXXX - Amount : {$2000.00} - Scheduled For : XX/XX/XXXX I received an email with the details above as confirmation. However, that payment has not been reflected in my account information. A subsequent payment on XX/XX/XXXX was processed and displayed with no problem, which leads me to believe it is an issue with MOHELA transferring systems. 

I called their customer service on XX/XX/XXXX, and after an hour and a half, I was told that the issue would be escalated and that the payment would be found. I attached screenshots of the email and my bank record that showed that this money was withdrawn from my account. I'd like to see MOHELA take action and reflect this payment, prorated to the time I sent it in.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion 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 these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments 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 : {$160.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : TransUnion incorrectly reports XXXX XXXX late payment in XX/XX/XXXX. 
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 TransUnion 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: Debt collection

Jeffcapsys shows a collection debt on my report for {$1200.00} dated XX/XX/2016. Unless proof can be shown and validated, this debt does not belong to me. I only use prepaid wireless phone services.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. 

I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name 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 reporting or other personal consumer reports

Writing to challenge the presence of this XXXX on my credit report, as the filed and reported dates, along with the closing dates, do not match. This is highly worrisome, especially since I possess a court letter explicitly stating that this bankruptcy should not be reported. Furthermore, the involvement of an unauthorized third party adds to the absurdity of the situation.
Product: Credit reporting or other personal consumer reports

Follow up to CFPB Complaint ID XXXX I am formally requesting the immediate freezing of my consumer account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Your refusal to comply with this request constitutes a violation of federal law, and I demand immediate corrective action. 

Violations Noted : Failure to Provide Written Authorization ( 1681b ( a ) ) : Under the FCRA, you may only obtain and use consumer information if there is explicit consumer consent or a permissible purpose. You have failed to provide proof that I authorized my financial institution ( s ) to share my personal and financial information with Early Warning Services. I demand that you provide a copy of any written authorization I have given that explicitly allows you to collect, store, and distribute my consumer report. 

Failure to Provide a Security Freeze ( 1681c-1 ) : Contrary to your claim, the FCRA mandates that all consumer reporting agencies, including specialty agencies such as Early Warning, must allow consumers to place a security freeze on their reports ( 1681c-1 ). You have no legal justification to refuse this request, and your attempt to deny me this right is in direct violation of federal law. I demand the immediate placement of a security freeze on my account and a written confirmation of compliance. 

Failure to Comply with FCRA and Privacy Protections : The FCRA mandates that consumer reporting agencies respect privacy rights and protect consumers from unauthorized access to their personal information. By refusing to freeze my account, you are not only violating my rights under the FCRA but also exposing me to potential identity theft and unauthorized use of my data. This action is a direct violation of the consumer protections granted under the law.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I filing this complaint regarding various inaccuracies on my credit report. At the beginning of this year, I reviewed my credit reports from all three major credit reporting agencies and discovered several inaccuracies concerning multiply accounts. These inaccuracies included, incorrect reporting dates, two year payment history, different open dates, account statuses and incorrect dates that they were last verified. I even have some accounts that are stating that they are closed and the other credit reporting agency is stating that is open. I don't know how that would be possible. These inaccuracies demonstrate a failure to meet the standards of the Fair Credit Reporting Act. Under 15 U.S.C 1681 e ( b ) it states that consumer reporting agencies are REQUIRED to follow reasonable procedures to ensure maximum accuracy of information in consumer reports. I have attached my latest letters to the TransUnion so that maybe you can help me understand whats going on. In these letters I have screen shot the inaccuracies across the board. I would also like to know how TransUnion is verifying this information. What procedures are they using to verify this information. When they are calling the credit company that has placed this on my credit, what procedures are they following. Whom are they speaking with? I think I have a right to know.
Product: Money transfers

On XX/XX/2016, I requested a wire transfer from my Bank of America account to XXXX hair cosmetics in the XXXX in the amount of {$330.00}. This was pursuant to trying to purchase products from this supplier online where my credit card would not go through so a XXXX representative emailed me and suggested I wire the money to them instead. The wire transfer was conducted at Bank of America, in XXXX, VA ( XXXX XXXX XXXX, XXXX, VA XXXX ). I then emailed the XXXX ( XXXX ) on XX/XX/2016 to inquire with respect to whether they had received the funds and they denied receiving the funds. I then went to Bank of America and Bank of America stated that the funds had been withdrawn by the XXXX financial institution on XX/XX/2016 and they gave me a copy of the transaction, to include the transaction reference number and the amount that the XXXX had withdrawn from my account. I contacted the XXXX via email on XX/XX/2016 with a copy of the bank documents verifying that the XXXX and their financial institution had taken the funds from my account. I asked for my money back and indicated that I had since purchased the products elsewhere due to their lack of responsiveness. The XXXX never wrote me back, they kept my funds from the wire transfer, and they never provided me with either the product or my money back. Please advise. Additionally, I have all supporting documentation on this. Thank you and please let me know what next steps entail. Thanks again.
Product: Checking or savings account

On XX/XX/2022, I attempted a mobile deposit of {$490.00} through the Truist app. It glitched several times and I never received confirmation of a deposit. I called Truist on XX/XX/2022 and a representative said it was not posted in pending deposits, it was not being processed, nor was it posted to my account. She recommended I wait an additional day. I waited, and when it hadn't posted, I called Truist again, on XX/XX/2022. During this phone call, the representative said it was not pending, processing, or posted and recommended I take the check to my local branch to deposit it. We experienced winter weather and I wasn't able to visit my branch until XX/XX/2022. At this time, I deposited the check and was told it would be credited Monday. On Monday, I call again ( to Truist ) and was told it would be Tuesday before my money was posted. On Tuesday ( XX/XX/2022 ), I woke up to an account that was overdrawn and the deposit had been posted and then removed from my account. After calling both Truist and my local branch, it was determined that the mobile deposit had posted on XX/XX/2022 ; however, I received no confirmation number nor did the two Truist employees I spoke with notify me of this deposit. Ultimately, Truist decided there was no fault on their part, because it had posted. However, they could not explain why two employees on two separate occasions after XX/XX/2022 couldn't tell me that the deposit had posted. The Trusit representative I spoke with today ( XX/XX/2022 ) explained that they couldn't see it because of processing times and they can not see processing deposits ; however, if the check posted on XX/XX/2022 as Truist states- why could the employees I spoke with on XX/XX/2022 and XX/XX/2022 not see the posted amount?
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XX/XX/XXXX late payment XXXX XXXX XXXXXXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have for the past 6 months reached out to XXXX, XXXX, and equifax in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # s and still to this date I have had no traction in my disputes. XXXX for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially XXXX, XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two  accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX  XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX/DSNB XXXX  Number : XXXX
Product: Credit card or prepaid card

I filed a dispute because a merchant continued to debit my Bank of America prepaid debit card. Soon, after filing these disputes, Bank of America pre paid card services froze/closed my account. That created a hardship because that is where the unemployment development department disburses my unemployment income. Now, those funds are inaccessible to me and critical because that is my lifeline for survival.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I have attempted with two companies, XXXX XXXX and XXXX, to use their products. I can not get through the process because the security questions generated by them have nothing to do with me. In XXXX of XXXX, per LEXISNEXIS website I submitted all of the documentation that they requested to have my nonverified public information report sent to me. I never heard back although I sent several emails asking about the issue. Approximately two weeks ago, I went through the process again and ( this time ) received a letter saying they couldnt send it because my information did not match up. On XX/XX/XXXX, I called them ( again ) and explained to them that I am not comfortable emailing my social security card and other documents with PI via the Internet in this environment and that they already have what I sent on file. After nearly one hour on the phone, the woman I spoke with confirmed that they do have it and she placed me on hold and requested and received permission to have my report sent to me. However, it appeared to her that my information was suppressed and that I had opted out. She instructed me to email yet another group within lexisnexis and they confirmed ( what I had thought ) someone name XXXX XXXX in XXXX, VA, opted out in XXXX. I confirmed with them that my name is XXXX XXXX XXXX ( XXXX XXXX  in my first name ) and that I live in XXXX  XXXX XXXX  and have never lived in XXXX, XXXX. They confirmed that they never received an opt out from me and sent it back to the consumer group. I then had to call back today and an agent by the name of XXXX # XXXX, refused to send me my file, which I had received permission to have sent just six hours earlier. They continue to try to blame the companies for generating the security questions, which may be true, but the security questions are relating to the wrong person by their own admission. They ignored my first request and even with the documentation they have for me establishing who I am and where I live, will not send my report. It should be noted that the two companies continue to tell me the exact opposite- that they engage lexisnexis and the questions are generated by them and that I have to contact them. Because lexisnexis collects aggregated information and this is their business, I am inclined to agree. Additionally, I have been through several background checks and have had to answer similar questions before, I know how the process works. I am unclear why they refuse to assist. I have done and provided everything they have asked. Complied with every confirmation and I continue to get nowhere. This has been going on since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX  XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX XXXX : {$580.00}. XXXX XXXX Balance : {$34000.00}. XXXX XXXX : {$1400.00}. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$2900.00}. ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Checking or savings account

I have had a checking account with Chase for 23 years. Last month they started charging me {$25.00} a month in Service fee. I called and complained about the new fee and was told in order to avoid the charge I needed to have {$15000.00} min balance or setup automatic mortgage payment. I have had my mortgage with chase for 12 years and have never been late. Chase bank refunded the charge, but then put the charged it again the next month. I called again, but was told they would not reverse the fee. When I opened the account there was no minimum balance or fee for not having automatic mortgage payment. When I went to the branch in person I was told there was nothing they could do, would not refund the fee a second time and I was told to close my account if I wanted to avoid the fee.
Product: Debt collection

After receiving a letter threatening to garnish my wages over a {$3500.00} loan that's halfway paid off from the Department of Education, I submitted the documents they requested showing that would cause a hardship under two different categories via certified mail and it was delivered. Last week I received another letter requesting the same documents plus additional ones be sent to a collection company in New York within 15 days of the DATE OF THE LETTER. I live in California it took me almost a week just to get the letter and one of the requested documents would take at least 10 days to get from XXXX. On top of that they're requesting a letter of termination from my previous employer that I was never given and can't ask for now. In fact I don't know a single person who has ever received a " letter of termination '' from a job. I can't afford to have my wages garnished, they've already taken and continue to take my tax refunds yearly this is just extreme.
Product: Credit card

This is for Syrchrony Bank. I made a double payment, XXXX XX/XX/XXXX for {$55.00} and another XXXX XX/XX/XXXX for {$40.00}. My minimum payment which was due XX/XX/XXXX was {$37.00}. I clearly made my payment ( s ) well before the due date but they told me their system doesn't recognise early payments made and charged me a {$41.00} late fee, twice. The minimum payment showed I owed XXXX for the XX/XX/XXXX date around XX/XX/XXXX because I checked it. 
They are going in and changing amounts due at random and this is happening on their Venmo cards and their Paypal cards and it seems they are doing this solely to be able to charge these late fees when, in actuality, the payments are being made early and are not late at all! 
This has happened several times on both those acounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with MONTGOMERYWD, XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXXXXXX XXXX {$0.00} & XXXX XXXX XXXX XXXX Balance {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice the following inquiries on my report. I did not initiate. 

XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Motorcycles/Bicycle Sales and Service XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX Experian XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies XXXX Finance XX/XX/XXXX Experian XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Mortgage Companies XXXX Finance XX/XX/XXXX Experian XXXX DATA Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX