23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


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

PNC will not allow account to link to another institution. I ended up using my debit card to link instead of checking
Product: Debt collection

I have been r eceiving automated phone calls from penn credit corp claiming that they are trying to collect on a debt from   XXXX   XXXX   XXXX   XXXX  . I have not ordered anything from    XXXX   XXXX   XXXX   in, more than 10 years. I paid late then but did pay  XXXX . I heard nothing from them for years but just started receiving the collection calls out of the blue..
Product: Credit reporting or other personal consumer reports

SELF FINANCIAL/LEAD BANK Account Name Account Number Account Type Responsibility Date Opened Status Status Updated SELF FINANCIAL/XXXX XXXX XXXX XXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXX 2026
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute I initiated with Experian concerning the payment history reported for my XXXX XXXX auto loan ( account # XXXX ). I believe Experian has violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically related to their handling of my dispute and subsequent reporting of inaccurate information. 

1. Background and Dispute Process On [ Insert Date ], I noticed that the payment history for my XXXX XXXX auto loan was inaccurately reported on my Experian credit report. The information in question was related to [ describe the inaccurate information, e.g., late payments, incorrect dates, or missed payments ]. 

I initiated a formal dispute with Experian on [ Insert Date of Dispute ], requesting that they investigate and correct the inaccurate information. After the dispute was processed, Experian initially updated my credit report and corrected the inaccuracies. 

However, within three to seven days of the correction, Experian reverted my credit report back to the inaccurate payment history. This reversal appears to be in direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and integrity of the information they report. 

2. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like Experian are required to : Ensure accuracy and completeness of reported information ( Section 1681e ( b ) ) : Credit reporting agencies must follow reasonable procedures to ensure that the information reported is accurate.

Investigate disputes within a reasonable time frame ( Section 1681i ) : Upon receiving a dispute, credit reporting agencies are required to investigate the issue and correct any inaccuracies.

Promptly update or delete inaccurate information ( Section 1681i ( a ) ( 5 ) ) : Once an error is identified, the information must be corrected or deleted within a reasonable period.

Experians actions of initially correcting the information and then reverting it back to the inaccurate version within such a short period of time suggest that they have not followed reasonable procedures to ensure the accuracy of my credit report. This failure to maintain accurate information or promptly address my dispute constitutes a violation of the FCRA.
Product: Credit card or prepaid card

I have attempted to reach out to this company for an explanation of why my limit was decreased on 3 of my store cards ( NY and XXXX XXXX XXXX XXXX and XXXX XXXX ) All of these cards are serviced by Comenity. I did not receive anything stating this. I also was told by the rep I should have received an email, with such information and an email was not sent. Comenity has done this before, when I made a large payment taking my cards balance down to below the half way point. The limit decrease placed on all three cards took the limit down exactly to the limit causing an adverse affect on my credit score. My current overall utilization over all of my cards is below 30 % and my fico is in a fair range. There is no explanation from this company other then contact the credit bureau. I feel these are unfair and adverse practices, to me as an consumer. No one I spoke with had an answer for what Comenity has done other then a blanket statement. Mind you this card is paid on time all the time. The only option given was to apply for a limit increase which would be an hard pull on the credit report. These practices from this company are abusive to customers.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in the mail and notice this account on my credit report is incorrect. I then mail them a certified letter asking them to send me documents to Show me I owe the money they say I owe. The letter I sent out to this company got sent back to me as return to sender no such address exist but that is the address they are reporting on my credit report which is incorrect and grounds for the deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between Capital one and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX  - CARD SERVICE XXXX XXXX XXXX C
BARCLAYS BANK DELAWA

FCRA Violation: hard enquiries not mine XXXX  CREDIT

FCRA Violation: addresses and name not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX TX XXXX  
FCRA Violation: auto loan never late
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Cease and Desist Dear IDEAL COLLECTION SERVICE, ( ACCT. # XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.
Product: Debt collection

In the two years that this collections account has been on my credit report I have received exactly zero communication, written or verbal, from ProCollect. Even upon trying to contact them via email they do not respond. I officially disputed the debt through XXXX and STILL have not received any information. Even when trying to pay the debt online, my payment is processed and no funds are taken from my bank account. Does the company even exist anymore? I can not get ahold of them at all. Its as if they went out of business. I need this debt off my report and I do not know what to do.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a lawn mower through   XXXX   on  XX/XX/XXXX  through the   XXXX   XXXX   XXXX   XXXX   program. Put down the deposit needed and was never provided a lease agreement at all in store. I was under the assumption it was like rent to own not lease it forever and pay a arm and leg for it. When I was able to look at my lease through the   XXXX   XXXX   XXXX   XXXX   site I discovered what was explained to me paying it off in 5 months ( per the store ) then I would own it and not have to pay interest, that was wrong. On top of that it was a brand new riding lawn mower that when I got it home found rust on it, I called the store that day and had to go into the store the next day and they were suppose to have it fixed that week by a   XXXX    employee to come to the house and replace the rusted hood, I never got a call so with that I decided to return the item on  XX/XX/XXXX  when I was back in town from work. I got a signed receipt from the store showing they received it and sent   XXXX   XXXX   XXXX   XXXX   a copy of the lease, the return receipt to the store signed by a manager and sent it certified mail. They have called me no less then 5 times since returning it stating that I owe them money. I have provide to them all this information again over the phone and also the certified letter tracking number showing they got it. They called yet again today and have threatened to put this on my credit report and demanding that I go to the store and call them from there. I have talked to supervisors at this business and still getting harassed over something that was returned.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file Account Name : XXXX  XXXX Account Number : XXXX Balance : {$11000.00} Account Name : XXXX  Account Number : XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Balance : {$16000.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$520.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$860.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$630.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$4500.00} Account Name : XXXX Account Number : XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$6700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8100.00} These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account liability on this report is absolutely unreliable and/or erroneous, please make sure to deliver evidence that I'm certainly the accountable party with this account or easily erase the item out of reporting on my credit report. This posting produces me personally harsh credit hardship. Simply because your particular institution has also affirmed this account as accurate- this is my request again for reinvestigation before I will sit down with an attorney towards the stubborn non-compliance within your organization in never posting me the info I requested during my previous dispute. Moreover, I highly recommend you give me a copy of the agreement approved or voice conversation where exactly I signed up billing me in this particular account. If not it's important to eliminate this from my credit as per the Fair Credit Reporting Act as well as the Fair Credit Billing Act. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Product: Money transfer, virtual currency, or money service

On around XX/XX/ my account was information was compromised without my knowledge and used to make multiple unauthorized transfer, payments and withdrawals. I also had several payments for services never received withdrawn from my account. When i contacted cash app regarding these transactions my account was immediately closed and I was not given any further assistance. Ive been trying to receive assistance in retrieving my stolen funds and Ive run into road blocks each time.
Product: Debt collection

I am formally disputing fraudulent accounts and/or transactions on my credit report due to identity theft. I have attached my FTC Identity Theft Report and police report as supporting documentation. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate blocking of all fraudulent information associated with this identity theft.
Product: Credit reporting

Equifax is refusing to remove old accounts. XXXX XXXX and XXXX XXXX are reporting fraudulent payment history. According to the FCRA I can request for accounts to old to be removed and XXXX is reporting fraudulent history to keep on credit reports. XXXX XXXX is reporting accounts from 2011 when I had been out of school a few years so I could not have receive funding when I was not in attendance of school. Debts began 6 months after school. so either way their is some fraudulent debt reporting, nor do I know anything about funding from this organization. I have never had any payment history with the organization. I have never received any payment information from this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on credit report made by capital one on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.
Product: Debt collection

To whom it may concern, Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. I never read any medical care from this company. This debt does NOT belong to me as well.
Product: Debt collection

Radius Global just reported a medical bill on my credit report. Before this bill showed up on my report, I did not receive a notice of my right to dispute the account. THis is awful, because my health insurance has already paid the debt.
Product: Money transfer, virtual currency, or money service

My paypal account was under permanent limitation and has {$770.00}. And the funds should be release on XXXX As per paypal Rule any account that is under permanent limitation the funds from the account will be release after 180 days. And my account will finish its 180 days in XXXX for the funds to be release. But when i checked my account last friday, I was shock that the funds was not therr anymore and as I check my activity logs I saw that Paypal transfer my funds to themselves. W/o stating any reason and w/o my legal authorization. In which they really stole my money on my account. The transfer was made last XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure of the specific dates, but I have reached out to this company on several occasions requesting that they remove the negative/ late payments from my account as my vehicle has been paid off since XXXX of 2020.
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  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by 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 : The reported late payment was due to an unexpected technical issue with the automatic payment system that was set up for this account. Although the funds were available in my account, the automatic payment did not process as scheduled, resulting in a slight delay. Once I became aware of the issue, I immediately made the payment, which was only a few days late. This situation was beyond my control, and I believe it should not have been reported as a late payment. 

Evidence provided : Bank statement showing sufficient funds on the due date. 
Confirmation from XXXX acknowledging the issue with the automatic payment and the prompt payment that was made immediately afterward.

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 TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score 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 keep reporting to the credit bureau that TD auto finance is improperly reporting. XXXX XXXX XXXX XXXX XXXX XXXX. Has been taking {$400.00} payments from me as the vehicle is in collections not charge off and according to the law firm I owe XXXX not XXXX as TD Auto Finance is reporting. I have filed dispute after dispute and it is not being corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 2 accounts that are inaccurate a bankruptcy filing and a late payment remark that are not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Bankruptcy Court XXXX XXXX of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as LexisNexis, XXXX, XXXX, or XXXX. They report to XXXX an website for court reports not credit. I have a letter from the US Bankruptcy Court XXXX XXXX XXXX Michigan explaining they do not give XXXX, XXXX, or XXXX the bankruptcy XXXX information it was illegally token from XXXX 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXXXXXX