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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXX XXXX  : It appears there was a clerical error in how XXXX XXXX  processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the XXXX delinquency threshold. I also included copies of emails from XXXX XXXX  confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am writing to file a formal complaint regarding the failure of the credit bureaus to properly investigate and remove an auto repossession account with Westlake Financial, despite multiple dispute attempts and clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This issue has gone unresolved for far too long, and I demand immediate action from the Consumer Financial Protection Bureau ( CFPB ).

Account Details : Account Name : Westlake Financial Account Type : Auto Repossession Status : Write-off, sold at auction Current Status : Account is still reported inaccurately and continues to appear on my credit report as an outstanding liability.

This account was for an auto loan that was repossessed and sold at auction, yet the credit bureaus refuse to remove or accurately report the status of the debt. The account is now listed as a write-off, but the credit bureaus have failed to conduct a proper investigation into the details of the repossession, including the auction sale and the discharge of liability. 

FCRA Violations by Credit Bureaus : Section 607 ( a ) of the FCRA requires credit bureaus to ensure the accuracy and completeness of the information they report. This erroneous reporting of the repossession as an active liability is a violation of this requirement.

Section 611 ( a ) mandates that credit bureaus investigate disputes and resolve them within 30 days. Despite multiple disputes, they have failed to investigate this account properly, leaving inaccurate information on my credit report that is now affecting my creditworthiness.

Section 609 ( a ) grants consumers the right to receive documentation from the credit bureaus regarding the results of their investigation. I have not received any meaningful responses or documentation explaining how this account was reported or why it has not been removed from my credit file, despite the fact that the vehicle was auctioned off and the debt discharged.

Section 611 ( a ) ( 1 ) ( A ) requires the credit bureaus to conduct a reasonable investigation of any disputed information. The failure to properly investigate this repossession account or to recognize the impact of the auction sale is a clear violation of this provision. The credit bureaus are actively damaging my credit by refusing to correct this mistake, which could have been easily resolved with a proper investigation.
Product: Checking or savings account

On XX/XX/2020 I used the Chase online Bill Pay service to pay my XXXX XXXX XXXX XXXX XXXX bill as I do every month. The payment amount of {$210.00} was deducted from my account on that day. Here is a copy of the line item in my online account : XX/XX/2020 Online Payment XXXX To XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bill payment {$210.00} On XX/XX/2020 I received email from XXXXXXXX XXXX XXXX  stating my XXXX payment was still unpaid. When I contacted XXXX  their first question was WHO IS YOUR BANK? When I said it was CHASE, they said that they have had a problem getting payments from CHASE since XXXX and that Chase has been aware of the problem but had NOT notified any customers about it. XXXX  gave me the phone number XXXX Option 2, which they said Chase gave them specifically for this issue. I called that number and the first person I spoke with, XXXX, said I needed to call a different number, and than she gave me the exact same number. When I said that was the number I just called, she said NO it was not! She actually told me I did not know what number i called. However, after hanging up I rechecked the number and it was the same! Next she said i would need to talk to a supervisor and put me on hold for almost 10 minutes, then connected me to XXXX, who told me they had made the payment. I asked her if she was saying that XXXX was wrong when they said that MANY payments from CHASE had been mis-routed. She denied that was what she was saying and then went on with some type of double speak about how they did, but did not make my payment. I was never able to get a answer to when XXXX would show my payment was made or if Chase was going to do anything about the problem. So uncaring and unhelpful. BEWARE! Please make Chase obey the laws and properly manage their customers money!
Product: Credit card or prepaid card

Somebody tried to open up a macys credit card under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting a closed account on my credit report. The account was closed in XXXX  of last year but Im still receiving late payments for XX/XX/2021. I tried to dispute this information but it keeps showing up again and again. This drops my credit score by 20  points every time!
Product: Mortgage

I requested PMI removal on my home, and was told that I could not given I have a second lien on my property ( in this case, a HELOC ). I was told that I would either be denied or I would have to shut down my HELOC. I am a mortgage loan originator myself, so I did some digging. It turns out, this is wrong and illegal. You can review the PMI removal requirements here : XXXX XXXX XXXXXXXX Nowhere does it mention subordinate liens being an issue. Additionally, it indicates that lenders may not add additional requirements on their end. I pointed all this out to Round Point Mortgage, and they initially pushed back. When I threatened to bring it to the CFPB, they acquiesced. So my personal issue is resolved, but here is the problem : they are enforcing this illegal policy against countless consumers, consumers who are not savvy enough to know better. The potential financial harm to consumers is huge. The FTC will take the case, but others need to make the same complaint. Others won't because they don't even know it is happening. CFPB seems to only take the case if you have an outstanding issue, and I don't have one anymore. But someone needs to address this, and I believe the CFPB is the most equipped organization to do so. 

I really hope the CFPB is able to correct this unjust policy. Thank you for your time on this matter.
Product: Credit reporting

As of now, the issue I have is with XXXX XXXX and not with any credit bureau. XXXX XXXX claims to have pulled a hard inquiry on my credit on XXXX XXXX, 2015, which is reflected in my Equifax report, potentially harming my score. I do have a pending dispute with Equifax ( confirmation number XXXX ), filed today. However, prior to lodging the dispute with Equifax , I contacted XXXX directly and was told, after about an hour on the phone with them/dealing with dropped calls, that although I DID NOT authorize an inquiry into my credit in 2015, they were " unable '' to remove reporting of the event because it was " too old. '' I had an account with XXXX at a prior residence ( XXXX XXXX, XXXX ) and had asked them to transfer my service to my new home in XXXX, XXXX as of XXXX 2015. They failed to properly close my New Jersey account and thus were " unable '' to transfer it to XXXX. After weeks of trying to hold their hands through the process of determining what was so difficult about this process, I realized I was getting nowhere and gave up. It took me another several weeks to address that they were beginning collections for my XXXX account, which I had closed and paid in full, because they did n't close it properly. My concern is that this hard inquiry on my credit was a component of their incompetence during this time. I never authorized an inquiry and although I am hopeful Equifax will remove it without conflict, I want to report this practice by XXXX to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am a business owner who recently pulled their credit report to see several errors and in uncorrected account information. My correct name is XXXX XXXX XXXX please remove any mispellings of my name asap.The following addresses are not mine. Please delete ERROR : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX PLEASE DELETE THESE UNKNOWN CELLPHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with case I.D . XXXX XXXX, with XXXX XXXX XXXX that is being reported with incorrect/missing info. My balance is XXXX and XXXX XXXX have been reporting wrongly and destroying my credit report with it. All effort to get them to comply has been fruitless. The account was disputed because of an unauthorized transaction, yet XXXX XXXX kept reporting it as verified without providing any evidence to who verified it or traced it and with what method. This account demand investigation on the unauthorized transaction on XXXX of XX/XX/XXXX, and XX/XX/XXXX. If the account can not be correct, I request XXXX XXXX to delete all negative entry. I request a full credit for this unauthorized transaction. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance which was as a result of the unauthorized transaction. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item and correct it. I request a full investigation and if unsatisfied that a new credit card account be processed immediately and sent to me.
Product: Debt collection

I am writing to file a complaint against Silverman Theologou LLP and XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that both entities have breached my cease and desist order and have engaged in deceptive and misleading practices in their attempts to collect a debt from me. 

I sent a cease and desist letter to Silverman Theologou LLP and XXXX XXXX XXXX XXXX, explicitly instructing them to cease all communications with me regarding the alleged debt. Despite this clear directive, both entities have continued to contact me in an attempt to collect the debt, thereby violating my rights under the FDCPA. 

Furthermore, Silverman Theologou LLP has falsely represented itself as a law firm or attorney in their debt collection communications with me. While I understand that Silverman Theologou LLP may be a BAR-approved law firm, when engaging in debt collection activities, they are held to the same standards as any other debt collector under the FDCPA. Implying that communications are from an attorney or a law firm is misleading and deceptive, especially when they are attempting to collect a debt. 

In addition to Silverman Theologou LLP violating my cease and desist order and falsely representing themselves as attorneys, XXXX XXXX XXXX XXXX has also reported negative information about me to consumer reporting agencies, damaging my right to privacy and my reputation. 

I want to reiterate that I do not believe I owe the alleged debt, and I have refused to pay based on my rights as a consumer under the FDCPA. Despite this, Silverman Theologou LLP and XXXX XXXX XXXX XXXX have ignored my requests and have continued to harass me in their attempts to collect the debt. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against Silverman Theologou LLP and XXXX XXXX XXXX XXXX for their violations of the FDCPA. I also request that any negative information reported about me be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent my 609 letter in, its been well past 30 days and I havent heard anything! 
1. The following account is not mines. 
XXXX  XXXX Account Number : XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX  XXXX 4. Account XXXX : XXXX Please remove it from my credit report. 
5. The following account is not mines. 
XXXX Account XXXX Please remove it from my credit report. 
6. The following account is not mines. 
XXXX Account NumberXXXX Please remove it from my credit report. 
7. The following account is not mines. 
XXXX XXXX  Account NumberXXXX Please remove it from my credit report. 
8. The following account is not mines. 
XXXXXXXX XXXX  Account Number:XXXX  Pleaser remove it from my credit report. 
9. The following account is not mines. 
XXXX Account numberXXXX XXXX  remove it from my credit report. 
10. The following account is not mines. 
XXXX XXXX Account number:XXXX 1. The following account is not mines. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681b - Permissible purposes of consumer reports This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; I
Product: Credit card or prepaid card

Bank of America XXXX XXXX {$700.00} settlement created - {$500.00} paid XX/XX/XXXX - due date for remaining {$200.00} balance XXXX XXXX I called and gave {$200.00} payment information XXXX XXXX I called to verify payment information because it had not come out of my account yet, I was told not to worry because it takes time to process XX/XX/XXXX - received letter from Bank of America stating settlement void because not paid within 90 day period - I Called in, the BAnk of America rep couldnt see or understand why the original payment wasnt processed - He ( BoA rep ) offered and created a 2nd settlement agreement for the remaining {$200.00} balance of the original agreement because he said the error was on their end - {$200.00} payment made in full and processed while on the phone with the BoA rep XXXX received letter from collections company - made 1st recording while on the phone with collections company and BoA rep confirming all of the above - was informed by BoA rep in the recording that it doesnt matter if you call to make the payment, or follow up, if we forget to hit enter youre still responsible for paying by the due date. 
- was informed that the 2nd settlement agreement created on XX/XX/XXXX, was not approved after payment had been processed and received on XX/XX/XXXX. 

XXXX XXXX received 2nd letter - made 2nd recording again confirming all of the above
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate and irreversible removal of a fraudulent bankruptcy public record currently listed on my file. This bankruptcy is not mine, and I have never filed for bankruptcy nor authorized any such action to be taken on my behalf. This fraudulent entry represents a serious case of identity theft or an egregious clerical error. 

Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX XXXX Reference number : XXXX This is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I will not tolerate any delays in correcting this matter. I have been unjustly and illegally harmed by this inaccuracy, and I expect this issue to be resolved with the highest priority. 

Dema

nds : Immediate removal of the fraudulent bankruptcy record from all credit reports and public records associated with my name. A formal written response confirming the removal, including a detailed explanation of the investigation process and the actions you have taken. Complete verification that this fraudulent entry will not reappear on my file, or that you will provide evidence supporting the legitimacy of this entry. You are legally obligated to investigate this matter thoroughly and remove any information that can not be verified or is inaccurate. If you fail to remove this fraudulent entry within the 30-day investigation period, I will not hesita
te to take further action, which includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and pursuing legal action to recover damages caused by your failure to rectify this error.
Product: Money transfer, virtual currency, or money service

XXXX XXXX i requested that Robinhood to please close all accounts I have with them and the tablet. It has been me constantly have me around A, /c. I am just begging to please have my money returned to me
Product: Checking or savings account

I'm having problems with getting an answer from the bank ( TD Bank ) I do business with. 

It seems like I'm just getting a run around, and their main headquarters nor the branch are providing answers to the issue. Except denying and honoring the dollars taking from ( 2 ) of my accounts. 

On XX/XX/2023 someone broke into my car and stole my briefcase which had my computer XXXX XXXX XXXX  bag along with my wallet with credit cards & debit cards. 

Within a short time later, I reported to the XXXX XXXX police department and all the information was documented. 

All my credit cards including ( TD Bank ) debit cards were stolen and used for withdrawals via ( TD ) ATM machines. 

All the credit card companies involved declined the fraudulent activities however, ( TD Bank ) is not acknowledging the withdrawals made on ( 2 ) of my bank accounts. 

Who other than the bank can I reach out to help me recover the amount of money ( {$1900.00} ) I lost? 

If not your agency I would appreciate your help, if you can provide some direction on who I can contact to recover my money. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My complaint is towards the online bank Paypal.

This is my story. I will try and keep it short ...

I provided a writing service for someone who paid me approx {$50.00} for the service I provided. He paid via PayPal. I have screenshots.

A few months later this party opened a chargeback case with his bank.

The case was opened with PayPal.

PayPal assured me that if the case was lost they would give me the opportunity to provide any screenshots or proof that I have. This is actually required by law that the consumer has a right to dispute the case with proof.

PayPal later closed the case and NEVER gave me the opportunity to provide ANY proof what so ever. In fact they have been trying to collect on the debt PRIOR to even closing the case which goes against laws established by the Fair Debt Collections and Practices Act.

I want this case DROPPED from PayPal and I want my account CLOSED with PayPal.

They are breaking several laws and every attempt I have made to contact the party that paid me results in returned email as if his email no longer exists.

Every attempt I have made to resolve this with PayPal customer service results in a canned pre-scripted answer that does not help AT ALL. 
My PayPal account is under the email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting inaccurate information on my consumer report and will be held liable because they failed to maintain maximum accuracy by allowing incomplete, or unverifiable information. I will be applying for credit in the next 7 days and if I am denied, I will be holding EQUIFAX liable for statutory claims and concrete injury.
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. 

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 and list of Inquiries 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 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 seven 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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX BANK XXXX XXXX : {$410.00}