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

I am writing to formally dispute the unauthorized inquiries on my credit report for the second time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. 
I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was planning on purchasing homeowners insurance but was told by several neighbors that they were over- insuring me. I had already set up a automatic debit with the homeowners ins. Company and when they raised the coverage after I had requested less-i canceled the policy. I called chime and spoke directly with a representative informing them of my situation and could they please cancel the automated debit I had set up. They said they couldn't cancel the debit and then held my funds until XX/XX/23 ( which was supposed to be the date of the debit ). Since the insurance company didn't debit the funds, it is still available- to my knowledge because the account is closed now and I have no access to transaction information. I am on XXXX, I get {$910.00} XXXX. and I have had no money this month whatsoever because come will not disburse my funds
Product: Credit card or prepaid card

The FIRST PROGRESS CARD with account number XXXX appears to be a charge-off account with a specific balance of {$180.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported in 3 Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account
Product: Credit reporting or other personal consumer reports

As a federally protected consumer under the Fair Credit Reporting Act, I am reporting numerous violations of the law by XXXXXXXX XXXX XXXX and all three major credit bureaus ( XXXX, Equifax, and XXXX ). Not only has my nonpublic information been unlawfully reported by XXXX to each bureau against my written instruction, but the information reported includes numerous inaccuracies that require correction. The Privacy Act of 1974 and 15 USC 1681 ( a ) ( 4 ) both require that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Furthermore, according to 15 USC 1681b, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given any instruction to the bureaus to report my nonpublic information. On the contrary, I have exercised my continuing right to opt out of any sharing of my nonpublic information per 16 CFR 313.7 that states a consumer may exercise the right to opt out at any time by mailing an opt out notice to the creditor ( see attached letter sent to XXXX on XX/XX/XXXX of XXXX ). XXXX did not honor my notice when they reported past due payments and an account closure for my XXXX XXXX XXXX. According to 15 USC 1681a ( 2 ) ( A ) ( i ) consumer reports can not lawfully contain information regarding the transactions between the consumer and the person making the report. 15 USC 1681c prohibits the reporting of any adverse items of information ; as such, derogatory reports like late payments, delinquencies, and account closures are in direct violation of the law. Furthermore, all three bureaus list my account as 120 days past due when, according to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both 15 USC 1681 ( a ) and 15 USC 1681e require consumer reporting agencies to ensure the accuracy of the information they report, and there are numerous discrepancies and inaccuracies between the three bureaus reporting on this account. Equifax reports an account balance of {$16000.00} in XX/XX/XXXX while XXXX reports {$12000.00}. Equifax also reports scheduled payments of {$170.00} for XX/XX/XXXX and {$470.00} for XX/XX/XXXX while XXXX reports {$140.00} and {$340.00}, respectively. Equifax and XXXX show the date of first delinquency as XX/XX/XXXX while XXXX shows XX/XX/XXXX. XXXX reports a past due amount of {$0.00} for XX/XX/XXXX, while Equifax reports {$1700.00}. Equifax shows the account was closed in XX/XX/XXXX, while XXXX and XXXX both report it closing in XX/XX/XXXX. None of the bureaus report this card as Charged Off, and it has been charged off since XX/XX/XXXX.
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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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. 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 payment was submitted well before the due date of XXXX XXXX XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of XXXX and XXXX  days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment.

Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake.

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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX  Account Number : XXXX, etc.
Product: Checking or savings account

I opened the HSBC Advance checking account on XX/XX/2019 because I got a mailer advertising a {$200.00} bonus if I deposit at least {$10000.00} for some number of months. I don't remember the exact number of months, but it was at most 6. I satisfied all the requirements but never received the {$200.00} bonus. I've made several attempts to resolve this issue by directly talking to HSBC representatives via a chat service on their website. Below is a brief summary of my conversations with them : [ unknown date, first time using their chat service ] Talked with XXXX She opened a query with ID XXXX and said to check back later. 

[ XXXX ] I talked with XXXX. 
I gave full name, account number, last four digits of social, and application ID. 
They said to use the same query ID, and to check back in 3 - 5 business days. 

[ XXXX ] I talked with XXXX. 
He asked for a personalized invitation code. 
I said I didnt have it because the mailer was old and I dont have it anymore. 
He said that the notes say I am eligible for the welcome bonus. But not how much that bonus is. 
He said hell send an email to the concerned team, and to wait 2-3 business days. 

[ XXXX ] I talked with XXXX. 
They asked for a personalized code regarding the offer. I said I dont have it anymore. 

[ XXXX ] I talked with XXXX She said they sent me an email and were waiting for my reply. I was not told to expect an email. I could not find their email. I asked them to resend it. I still have never received such an email. 

-- end of log -- At one point, they told me to expect a letter in the mail, but that never arrived. I never got an explanation why I haven't received the bonus. They keep telling me they sent me either a letter in the mail, or an email. I never received either. I double checked my spam filter.
Product: Debt collection

Debt collector ( RPM - Receivables Performance Management ) contacts me multiple times per day. They leave a voicemail message if I do not answer, which counts as contact. As an example, they called me twice on XX/XX/2020 from phone number XXXX at XXXX and XXXX. They left a voicemail message at XXXX, but continued to contact me. I have spoken with the company previously and advised them they are in direct violation of consumer rights. They have disregarded my requests to stop contacting me, and continue to do so. Additional number they have called from : XXXX XX/XX/2020 at XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX They are very clearly number spoofing in an effort to have me answer their phone calls, which is another clear violation.
Product: Student loan

I am a cosigner on a student loan for my nephew. He seems to have stopped making any payments on his loan. 
I have contacted him, but have been ignored. Now he has changed his phone number and I have no way to contact him. 
I received notice on XX/XX/XXXX that the loan was past due but it wasn't too late to bring my loan current. I was struggling to make ends meet at the time due to impact of COVID-19 on my employment. 
But I managed to make a payment on XX/XX/XXXX. 
I then called and did a restructuring forbearance of the loan with automatic withdrawals from my checking account. The subsequent monthly payments have been on time. 

But, then I get my credit report and see that the loan was reported as late to the credit bureau on XX/XX/XXXX. This was almost 2 weeks before the email I received on XX/XX/XXXX that stated the loan was past due but it wasn't too late to bring my loan current. 
Had I been notified that the loan was being reported, I would have called immediately to discuss any possible option with Navient. 
I have asked Navient to request removal of the report to the credit agencies, but they refuse. I am working with them and they are receiving the monthly payments, but they are not treating me fairly when I wasn't notified that the loan was being sent to the credit bureau.
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, Account : XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX department of education XXXX has violated my rights. 

I looked at my Experian report on XX/XX/year> and noticed some things are incomplete and also inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

I went on line and noticed that financial controls solutions had put a collection remark on my credit reports. This is the same collection that XXXX is trying to collect on ( but will not validate ) and XXXX is trying to collect on ( But also will not validate ). financial control has not notified me in writing that they were going to try to collect, and i have never done any business with them, nor have i signed a contract or owe them any money. I have requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. they have been shady and have not followed the rules set. they can not be trying to collect an account that is active with another collectin agency and they must by law give me a chance to dispute the account ( which i will through court ) before hitting the credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Transunion notes the status as never late for an account that was opened on XX/XX/XXXX, however, the loan servicer is only reporting monthly payment history for most months an " Unknown ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Transunion posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than XXXX different student loan accounts that Transunion has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Transunion allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. This appeared to be retaliatory because newer, undisputed loans originating in XX/XX/XXXX, XX/XX/XXXX report a status of " OK '' each month. Payment history is available and known and must be reported. XXXX has also supplied a document that states the payments have all been on time.
Product: Payday loan, title loan, or personal loan

I spoke with one of their representatives on XXXX, signed up for hardship plan on both loans I have through them. While on the phone the representative was asking me what was I doing to better my situation? Was I trying to get my old job back? Have I tried getting a second job? How long do I expect to be in a hardship? Reluctantly I signed up for the hardship and was told everything was good, then today XXXX, the took the full amount. When I called the representative said that its because it wasnt done in enough time it takes 3-5 days to change payments, I was never told this. This treatment of a customer is outrageous especially in these unprecedented times we are in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Experian has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Experian, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are following acts that violate the constitutional rights, U.S. 1581 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
Product: Student loan

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.
Product: Debt collection

The credit collection agency is stating this debt occured when I was not a resident of the state, nor had I been medically treated in that state at the time of the bill. It is apparently an emergency room bill for my daughter that should have been billed to insurance via the hospital. The hospital stated several times they resubmitted the bill for insurance. IF this bill occured while I was residing in the state, it would have been during XXXX which is outside the statute of limitations for Pennsylvania medical debt. 

The credit agency purchased the debt though XXXX XXXX XXXX. The collection agency is violating HIPAA regulations and privacy protections by having additional medical information and detailed documentation that they are not authorized to obtain.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Checking or savings account

PROBLEM WITH OPENING A BANK ACCOUNT DUE TO EARLYWARNING REPORTING ACCOUNT THAT WAS NOT AUTHORIZED BEING OPENED BY MYSELF.