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

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report ( XXXX XXXX Account ) Dear CFPB, I am writing to formally request a detailed description of the investigation process followed by your agencies regarding the disputed information on my credit report, specifically related to the XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 
Background and Discrepancies Upon reviewing my credit report, I noticed discrepancies in reporting late payments on the XXXXXXXX XXXX  account. According to my records, payments were made on time, yet my credit report inaccurately reflects late payments on the following dates : TransUnion : Reports XXXX and XXXX late payments in XXXX and XXXX despite records showing on-time payments. 
Account details show it was closed and " Canceled by credit grantor, '' but these late payments are inaccurately listed in the two-year payment history. 
XXXX : Lists a XXXX late payment for XXXX, XXXX late payment for XXXX and XXXX late payment for XXXX which is incorrect according to the payment records. 
The account status is marked as " XXXX, '' but the late payment notation is not supported by my payment history. 
XXXX : Reflects XXXX, XXXX and XXXX late payments inaccurately for XXXX, XXXX and XXXX. 
Last reported date was XX/XX/year>, with payment status inconsistencies despite timely payments. 
This account has been reported inconsistently across the XXXX bureaus, with payment inaccuracies that conflict with my records. Despite previous disputes, there has been no correction to these discrepancies. 
Request for Investigation and Supporting Documentation I request that your agencies conduct a full investigation into these discrepancies, correct the reporting errors, and update my report to reflect an accurate " Paid As Agreed, Never Late '' status for the XXXX XXXX account. Please provide a comprehensive description of your investigation process, detailing the procedures followed, as required under the FCRA. 
Additionally, I am requesting that you provide the reasonable procedures used in verifying my account history, including mailing timelines for statements, as stipulated under 15 USC 1666 ( b ) and 15 USC 1637 ( b ).

Supporting Documentation I have attached the necessary documentation, including copies of my payment history, which demonstrate my adherence to timely payments. In the absence of verifiable proof to support the reported late payments, I expect prompt correction of this account status. 
Conclusion Should the reporting agencies fail to provide proof or correct the inaccuracies, this will be considered a violation of the FCRA. I appreciate your prompt attention to this matter and expect a written response within XXXX XXXX 
Thank you for your cooperation in maintaining accurate reporting standards. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a third request to get my credco saferent full consumer disclosure.credit report. 

-XX/XX/XXXX, submitted cfpb complaint along with all requested documentation. Credco saferent then stated that they sent consumer file XX/XX/2019. This was a lie. I received a rental property solutions reports, not a saferent report. Per my previous cfpb complaint send me a copy of my credco saferent full consumer disclosure report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am formally filing a complaint to dispute the credit reporting made on my mortgage accountHello all, I am formally filing a complaint to dispute the credit reporting made on my account ( account # XXXX ) by XXXX XXXX  in XX/XX/XXXX, and that has damaged my credit score and caused lots of harm to me and family. 

In fact, I initiated the cashier check for the XXXX payment XX/XX/XXXX and mailed to XXXX XXXX XXXX  ( XXXX XXXX XXXX ) on XX/XX/XXXX via US postal service ( attached a screenshot of my bank statement showing the {$2900.00} was deducted from my bank account - {$2900.00} minus the {$10.00} cashier check fees ). I later received a call from XXXX around XX/XX/XXXX that I did not send my monthly payment. I advice the mortgage company that the payment was sent and my bank account was debited. I further provided the shipping track number from USPS showing the check was mailed XX/XX/XXXX. The agent advised to wait until they find the check. I later followed up many time and the answer was always the same : Wait until we investigate and find the check. I became concerned of the timing and raised concerned about them reporting me as being delinquent. After many calls and insistence, one XXXX agent finally told me on XX/XX/XXXX to put a stop payment on the cashier check as they could not locate, and issue a new cashier check. He further assured my that will not impact my credit reporting. I rushed to the bank, placed a stop check on the previews cashier check, and issued a new cashier check for the amount of {$5800.00} ( for the missing XXXX payment and XXXX payment ). I mailed to XXXX same day through priority Mail next day delivery and certified mail. I check later with XXXX and was confirmed that it was delivered to XXXX on XX/XX/XXXX. I was later surprised that XXXX Mortgage reported me as being delinquent for the month of XX/XX/XXXX, stating i sent the payment on XX/XX/XXXX. 

I was not delinquent in XXXX as screenshot from my bank account clearly show the mortgage payment was debited from my bank account on XX/XX/XXXX, cashier check issued and sent to XXXX same day. 

I disputed the credit reporting with XXXX, but they keep insisting i was delinquent and that they receive the payment on XX/XX/XXXX. 

Please help me solve this and fix my credit reporting score that is already being damaged. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX Equifax Credit Reporting Agency received my 2nd letter by certified mail requesting verification of accounts on my credit report. I have not received a written response nor is it reporting disputed on all accounts that I've disputed on my credit report. Under the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) the credit reporting agency has thirty ( 30 ) calendar days to complete an investigation. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the attached unverified accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act, specifically 15 USC sections 1681i ( d ) and 1681j, requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. As of XX/XX/XXXX there are requested unverified accounts that are still reporting on my credit file which is well over 30 days from my very first certified letter ... Included in the dispute I stated to Equifax CRA to update/correct my personal information on my credit file, with the correct information that was given. and to please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate ... My personal information was not completely updated as requested in attached letter. The letter was enclosed with the proper identification documents to update my personal information.
Product: Money transfer, virtual currency, or money service

your account. 
I am filing a complait against Cash App ( BlocK Inc. ( we to XXXX ( XXXX ) ustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proges a XXXX was unfair and receptive, as the XXXX XXXX XXXX 
XXXX comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

In just XXXX alone we had {$170.00} in overdraft fees... .this is a system put in place to make sure people who are struggling continue to struggle. Despite requesting bills not being taken out due to low funds they did not adhere to our request and allowed the fees to pile up anyway. This affected the next month where we had to pinch pennies just to pay the mortgage. We are still behind on bills and Wells Fargo only makes the situation worse.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely rectified : 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

After going to court on XXXX-XXXX-18 to attempt to come to terms with the collection agency (over a $XXXX   medical bill we couldn't afford at the time that bloomed to $XXXX  after the collectors got their hands on it) after months of trying to make good faith payments and being denied every time, the attending attorney (XXXX XXXX XXXX, XXXX  #XXXX) advised us that we have 30 days to contact the collector and establish payment arrangements (he stated they will be amenable now, he even provided us with the owners name, XXXX XXXX). We called and I talked to XXXX, she would not entertain anything less than full payment now, I requested to talk to the owner and she said he won't talk to me and eventually hung up on me. I received a call 1/2 hr. later from her boss, XXXX, and again no negotiations were suitable for him. I explained our situation to him and got the "so what" attitude, pay now! I explained that since I became too frail to work and my wife's sole income is supporting us and paying one lump sum would put us on the street in the middle of winter and he just didn't care. We are already skipping some of my other treatments and cannot afford some of the life saving medications I need. His "so what" attitude again prevailed. Then he mentioned that he had pulled up my wife's payroll and stated he would TAKE 1/3 payments to clear the account in 90 days. I asked him what law prevents him from taking payments? His response; ME! They refused to accept XXXX XXXX. that we could sacrifice groceries and daily essentials and still have a home, nope, not happening, so again, I asked to talk to the owner, and again he too hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$0.00} Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type AUTO LEASE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 36 months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not validate the debts they allege I owe.  They never sent me anything in writing, I had to find out about them by reviewing my credit report.  They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 (b) of the FDCPA.  HOWEVER, they did (UNTIMELY) respond (how would they respond if they really did not receive my written demand?!?) but their response did not comply with 1692g in any way, shape, or form.  It merely said the account had been "closed" instead of actually validating, per my request.  (See attached).  It has been many months yet they are still listing a negative(s) on my credit reports, despite the law giving them 30 days maximum.The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX XXXX from my credit reports.
Product: Debt collection

Hello and Good Day, I reached out to ( Experian ) credit bureau through certified mail to dispute this matter which I am unaware of. I have also submitted a copy of my Fraud police report to them as well. When I realized this account was on my credit report I took action right away, since I didn't recognize it. I wanted them to verify through the physical verification of the original signed consumer contract under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) Which they are required by federal law to verify. 

The account is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$1400.00} They have not ( Experian ). Attached are copies of the 1st, 2nd and 3rd round of disputes letters that I have sent out as well as a copies of the fraud report ( I have sent 3 rounds of of dispute letters about this account and I'm not sure why they have not properly verified the account ). Each round of dispute letters were signed and notarized before being sent out, totaling 3 letters each round I sent a copy of the my fraud police report as well. Because of this grave error it has cost me dearly with trying to buy a home as well as my job. The reporting agency ( Experian ) has not done their job under the Fair Credit Report act ( they have responded saying it was verified either by a data agency or data furnisher which is against federal law, they are not following the FCRA, I have not seen the original consumer contract ). Please let me know. Thank you for your time in this matter. 

( Attached are a copy of 3 rounds of dispute letters, a copy of all 3 three certified mail tickets and a copy of my police fraud report ) kind Regards, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2021 I paid off the remaining balance of my car in the amount of ( including their fees ) XXXX. The rep told me in the first week of XXXX, my info would be updated on my credit report. I had had a few late pmts reported due to difficulty during covid. 
Today it was reported still open, past due of 180 days, and on XXXX it showed a balance decrease of {$10.00}. 
I called the company and they did say the account was closed but said all they could do was send me paperwork to file a dispute with them.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023, I tried to access my Laurel Road mobile banking account and found it was restricted. After realizing this, I contacted the bank to find out why and unlock the account. On the phone with the bank representative, they told me there was a fraud claim on the account and transferred me to the fraud department. However, the fraud department told me this wasn't an issue on their end and they couldn't help me. So I call Laurel Road again to explain this to them and now this new rep doesn't say anything about fraud and could not give me a reason as to why my account was closed. I have direct deposits going into account and need access to it immediately, and somehow the bank can't give me any information as to why it's restricted.
Product: Debt collection

I had a unsecured loan with XXXX XXXX XXXX XXXX. It was charged off and sold to Jefferson capital systems llc. We worked out an agreed upon settlement to pay off the debt. I reached out to XXXX to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to Jefferson capital. Jefferson capital said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Reports. 

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

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

my names are incorrect it should be XXXX XXXX XXXX instead of just XXXX XXXX in order to match all bureaus
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXXalso, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my credit bureauXXXX, XXXX and TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Early of this year, I have sent totally {$300000.00} to XXXX in XXXX XXXX ( the XXXX and XXXX XXXX  XXXX XXXX ) for investment on different dates. It was turned out the whole investment thing is a fraud. I have reported my case to my local police department ( XXXX, OH ) in XX/XX/2021 ( case number XXXX ). I have also reported my case to FBI, and the Huntington back back in XX/XX/2021. I have reported the case to XXXX XXXX Police Department in XX/XX/2021 too. So far, I have heard some news from XXXX XXXX Police department, and told me that there were some money in one fraudulent account in XXXX. 

Since I have reported my fraud case to the Huntington bank, I have tried to call them and sent email to them multiple times, however, no one has responded. It seems that this fraud has never happened.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my report. This is against the XXXX XXXX XXXX and I would like to have it removed so I can get credit. Please remove these accounts from my report, they are affecting my ability to get credit.
Product: Checking or savings account

I tried to open an account at the end of XX/XX/2022 XXXX I received a letter stating that I had to bring identification documents to open an account and when I went into the branch to open an account they would not give me a reason as required by law they also refused to give me a reason for my previous account being closed they are violating my rights under the fcra by not giving me the specific reasons to my they closed and cloud not open the accounts. I was discriminated against on the basis of gender identity repeatedly.