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

Violation of the FCRA : Inaccurate Reporting and Improper Disclosure of Information Description of the Issue : I have identified inaccurate information on my credit reports with TransUnion and XXXX. Both agencies are incorrectly reporting late payments on my XXXX XXXX XXXX  account ( account number : XXXX ). According to my records, these payments were made on time. 

I sent a letter to XXXX XXXX XXXX  on [ XX/XX/XXXX ] requesting validation of the debt and correction of the errors. However, I have not received a response within the timeframe established by the Fair Credit Reporting Act ( FCRA ). I later disputed the information directly with TransUnion and XXXX, but the errors persist. 

Furthermore, under the FCRA, no agency has the right to disclose incorrect information or violate my privacy by reporting inaccurate data about my financial history. This noncompliance jeopardizes my privacy and my credit reputation. 
The improper disclosure and inaccurate reporting of this information are damaging my credit score and my ability to obtain credit on fair terms. This also represents a potential violation of my privacy rights under the FCRA. 

I request that : All inaccurate information and incorrect late payments be removed from my credit report. 
The agencies and creditors cease disclosing incorrect information in my history. 
I receive written confirmation that my information has been corrected and that my privacy will be respected in accordance with the FCRA. 

Attached Documents : Certified mail proof of sending. 
Current credit reports showing the errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Complaint : Previous complaint file number XXXX follow up. 
Denied by PNC, new input is as follows ; There was a signature card was on this account. said checks were in numeric order, drawn at another bank. with an increase in funds drawn from a small amount to a larger amount and should have alerted thee bank to fraudulent activity. being that the checks were cashed at another bank it created a lag time in the reporting process for the account holder. Nonetheless, fraudulent activities should have been caught by PNC had they been using the tools at their disposal to detect fraud diligently.
Product: Credit card

I flew on an XXXX XXXX flight in XXXX. Since, there has been an account opened with my information that I did not authorize or even know about until I got an email saying I owed monery and a late fee. The card was through a company called Barclay, XXXX card # XXXX. I do not have the card and never applied for the card. Now it is on my credit report. I talked to someone from Barclays, ( not sure if it was really them or scammers ) they said they would close the account and refund the fees. I have not received a confirmation email and I am very worried that they have all my info. They have my address, phone and social security number and birthdate. I worried they will do something with my personal info.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and I noticed that I have XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX, XXXX & XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX I submitted a complaint on XX/XX/2024 with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 

ORIGINAL XXXX REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/2024 Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX
Product: Debt collection

Debit collector has been told not to contact me at work and has done so
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Update of XXXX Credit Card Account Dear TransUnion Customer Service, I am writing to request an update to my XXXX Credit Card account information, which was reported to your company on XX/XX/XXXX. I have noticed that this account has not been updated in your records, and as a result, it has significantly impacted my creditworthiness, character, reputation, and overall mode of living. 

Accurate and timely reporting of my credit accounts is crucial for maintaining my financial health. I kindly ask that you review this account and ensure that it reflects the current status. 

Thank you for your attention to this matter. I appreciate your prompt response and assistance in resolving this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX  XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to Experian, XXXX and XXXX. This is not my account.
Product: Prepaid card

Direct Express will not help me recover stolen money. My account was brand new and SSXXXXI deposited over {$30000.00} onto this new card while I was XXXX  and my ex got ahold of this card and within 1 month drained my back pay. They keep denying and say I can not do anything about it. My money was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}
Product: Checking or savings account

I appealed a WISE decision for my wise account. They said that they closed it and didnt really go into why they closed it. I needed wise for money transfers between the United States and XXXX. I do have family in XXXX and I use wise to help move money around
Product: Payday loan, title loan, or personal loan

Subject : Concerns Regarding Retail Installment Contract as a Negotiable Instrument Dear Credit Acceptance, I am writing to address several concerns related to my retail installment contract, which operates as a negotiable instrument under our agreement. 

A negotiable instrument is a document guaranteeing payment of a specific amount of money, either on demand or at a set time, and can be transferred from one party to another. When XXXX sold this contract to Credit Acceptance, the contract effectively transformed into a negotiable instrument. This process of 'negotiating ' the contract allowed Credit Acceptance to become the new holder of this instrument. 

However, I have several concerns about potential violations of the XXXX XXXX XXXX ( XXXX  ) and the XXXX XXXX XXXX XXXX XXXX XXXX  ) in the processes and agreements related to this contract. 

Firstly, I believe there may have been a violation of UCC 1-201 ( 20 ), which requires full and accurate disclosure of contract terms. XXXX, as the original seller, did not provide complete and truthful disclosure of the contract and financial agreement terms. Furthermore, I was unduly coerced into paying a down payment under conditions not uniformly applied to other customers, potentially contravening XXXX XXXX that deals with unconscionable contracts. 

In regards to XXXX, its key purpose is to ensure the informed use of consumer credit by requiring disclosures about its terms and cost. If full disclosure was not provided, as appears to be the case, this could constitute a breach of XXXX. 

Moreover, I have experienced issues with Credit Acceptance, including coercive practices related to recurring payments and issues with the enforcement of the arbitration clause. My vehicle was repossessed from my private property without peaceable means, potentially breaching XXXX XXXX which outlines the secured party 's right to take possession after default. 

Concerningly, if Credit Acceptance is not licensed or registered in any U.S. state, it could potentially be in violation of state-specific financial regulations and licensing requirements, which vary from state to state. 

Considering these potential breaches and their impact on me, both financially and emotionally, I believe I am entitled to remediation under XXXX and XXXX regulations. 

I request a thorough investigation into these matters and expect appropriate remedies to be provided. I retain all rights under state and federal law to pursue this matter further if satisfactory resolution is not reached. 

Best Regards, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX / XXXX / {$450.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian emailed me notifying of a change of email. I tried to log in to my account and was locked out. The fraudulent email address now has access to my account. I contacted Experian and was not able to speak to a rep to clear this information.
Product: Credit card or prepaid card

Twice I requested a credit line increase. Both times this company claims they had issues pulling a recent credit report and were provided a report from over 4 months ago from XXXX. This particular report had derogatory information that was either disputed and removed or was paid and updated. My credit score is up almost 100 points today compared to the report they pulled. I spoke with a supervisor regarding this issue and did not receive any assistance. As a result I closed my account out of frustration.
Product: Credit reporting

I have contacted Experian on several occasions letting them know that these address do not belong to me. ( XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX GA, XXXX XXXX GA ) I do not know how these addresses got on my credit report but I have been receiving letters and phone calls from foreign companies and people I do not know that have mentioned these addresses along with my personal information. I feel that my safety may be threatened because whoever these people are contacting me they are tracking me through my credit report with these addresses that do not belong to me. I have attached a police report because I have been a victim of identity theft in the past but Experian does n't seem to care about my personal safety at this point by leaving this information on my credit file.
Product: Debt collection

XXXX XXXX/ Original Creditor Name XXXX XXXX XXXX Are reporting an account that is not mine, called company to explain that account was not mine and that my father has the same name and address and to remove from my consumer report.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

TransUnion has my log in information block so I can view my credit report. 

Every time I try to log-in to the website it wants allow me to and then I try to do reset and it tells me an account is already set up. But it will not allow me to log-in! I have called Transunion several times about this and they just will not fix the problem.
Product: Debt collection

these various companies listed below fail to send me the 1099 after the debt was charged off and per the fair credit reporting act, the bureau was suppose to notify me and obtain my permission before putting anything on my credit report but they did not and they reported still on my credit with a balance and open per the Laws 15USC Code 6802 All 3 credit bureaus XXXX, TRANSUNION, XXXX was suppose to give me the option if I wanted it to be reported and did not also per 18U.S. Code 1028 aggravated identity and 15 USC 1681B Permissible Purpose these three Laws the credit bureaus failed to do before placing them on my credit report. Here are the Banks/ credit card companies 1.acct 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
Product: Debt collection

I have been contacted many times via email by this company insisting I pay a debt that I do not owe and I have never conducted business company nor have I ever entered into a business contract of any kind with this company.
Product: Debt collection

I got a call from my dad saying that an agency called SARMA a collection agency with XXXX contacted him. They discussed that I owed a debt of XXXX dollars or more without my knowledge. They thought they were speaking with me I take it. Its embarrassing and causes stress when Im out and about and I had to have a family member tell me someone is trying to get money from me.
Product: Credit card or prepaid card

CITI BANK please provide me with the Original Creditor signed agreement form them. That I opened this account. I believe I would have to give you CITI BANK permission to disclose any information to any CRA can you please provide me with the signed agreement that I initiated such agreement.? I have already asked for this information and I am steal requesting for CITI BANK to provide me with this simple piece of evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Phone Call Transferred to a 2nd Rep, as the 1st Rep just kept repeating script " information will remain on Report until XXXX, XXXX ''. XXXX XXXX  is no longer reporting this credit card item ; I sent Certfied mail & backup 2x in XXXX ; and uploaded backup. 
Experian continues to ignore the information, and Closed Dispute. 
The XXXX XXXX  Item needs removed immediately. 
Also, my FICO Score on Experian ranges 35-40 Points below XXXX  & XXXX. 
When I asked for explantion, was referred to FICO ph # XXXX which refers you back to the Credit Reporting Agency. 
Experian Member ID XXXX. 

XX/XX/XXXX, Experian changed my Name to XXXX. As soon as I received the email, I contacted them- and it took hours on the telephone for them to fix THEIR Error. 
They wanted me to resend them information proving my identity- which THEY changed- and which they already had by Cert Mail & uploaded documents. All they had to do was OPEN the Report & see MY name ( NOT XXXX XXXX. Experian has some explaining to do. They need to REMOVE immediately the XXXX Credit Card Acct that is Reporting Negative- and they Need to UPDATE my FICO Score to reflect accurate information. Thank you XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> Re : Notice of Breach of XX/XX/XXXX, XXXX XXXX XXXX XXXX. XXXX To Whom It May Concern, I am writing to formally address an issue regarding the breach of contract by your firm, specifically related to the deactivation of the payment portal initially agreed upon for settling the account associated with XXXX XXXX XXXX XXXX 

Upon failing to access the designated payment tool at https : //www.rauschsturmpay.com/, I contacted Rausch Sturm, LLP via telephone at ( XXXX ) XXXX and spoke with XXXX XXXX XXXX on XX/XX/year>. During our conversation, XXXX XXXX informed me that your firm no longer represents XXXX XXXX XXXX XXXX XXXX, and confirmed that access to the payment portal has been terminated. 

This abrupt termination of access to the payment facility without prior notification is unprofessional and suggestive of a desire to unilaterally alter or end our agreed settlement terms. In my legal assessment, such actions are construed as a tacit agreement to discharge the remaining debt. As a reminder, I have attached copies of the settlement offer and the corresponding contract, as well as details of payments made to date under the agreed terms : Check XXXX payable to XXXX XXXX XXXX, XXXX {$320.00} XX/XX/year> Check XXXX payable to XXXX XXXX XXXX, XXXX {$320.00} XX/XX/year> Check XXXX payable to XXXX XXXX XXXX, XXXX {$320.00} XX/XX/year> I respectfully request confirmation of the debt discharge. Your prompt response will be appreciated to ensure clarity and resolution. Thank you for addressing this matter. 

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

Experian did not update, correct or delete the XXXX XXXX account ( XXXX ) from previous disputes. This account still shows inaccurate payment history with huge gaps of no payments reporting at all, even though Experian says it was updated. The last status update was XX/XX/XXXX, not XXXX or XX/XX/XXXX.
Product: Mortgage

I sold my house and closed on XX/XX/XXXX. BBVA Compass was notified in the closing paperwork of my new address to forward my escrow balance. Additionally, I contacted them via their customer service number ( XXXX ) on XX/XX/XXXX to remind them of the proper address to send the reimbursement check to. BBVA Compass disregarded all of the communication on the correct place to send the check, and sent the check to the wrong address, where it was rejected and returned to them XX/XX/XXXX. I reached out to the bank on Monday, XX/XX/XXXX, and they stated that regardless of their negligence, they had to have an affidavit filled out, and would send me one within 48 hours. On XX/XX/XXXX, after 48 hours, I went to a local branch to seek resolution. The banker at the local branch contacted the mortgage group and said he could be of no assistance, but that the affidavit would be emailed by the end of the day XX/XX/XXXX, or the morning of XX/XX/XXXX. When I did not receive the affidavit on the morning of XX/XX/XXXX, I contacted the customer service number again, and they stated that now the wait time to receive the affidavit was 3 to 5 days. When I asked why the wait time to send an email had changed from 24 to 48 hours, to 3 to 5 business days, the BBVA Compass rep did not answer. As of XX/XX/XXXX, BBVA Compass has held over {$5000.00} due to me in a refund and will not provide me a mechanism to receive my money that they have held for over 4 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to transunion XXXXand XXXX about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you