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

I am filing this complaint regarding the inconsistent reporting of the closed date for a XXXX account XXXX on my credit reports from TransUnion and XXXX. Both credit bureaus have verified this information as accurate, yet the closed date reported differs between the two, indicating a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The discrepancies in the closed date are misleading and undermine the accuracy and integrity of my credit reports. Specifically : FCRA Section 623 ( a ) ( 1 ) : Information provided to credit reporting agencies must be complete and accurate. Reporting different closed dates for the same account violates this requirement.

FCRA Section 605 ( a ) : Credit bureaus must not include information that is incomplete or misrepresents an account 's status.

FCRA Section 611 ( a ) ( 1 ) : Credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccuracies. 
Despite my prior disputes, both TransUnion and XXXX have failed to address this inconsistency or provide an explanation for the differing dates, continuing to report contradictory information as " verified. '' This failure to ensure consistency across credit bureaus has negatively impacted my credit profile and financial opportunities. 

I request that the CFPB investigate the following : Why TransUnion and XXXX have verified inconsistent closed dates for the same XXXX account. 
Whether XXXX has failed in its duty as a data furnisher to report accurate information to credit bureaus. 
Immediate removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
For your review, I am including the following documents : Copies of my credit reports from TransUnion and XXXX showing the inconsistent closed dates for the XXXX account. 
Any prior correspondence with TransUnion, XXXX, and XXXX regarding my disputes. 
I request your assistance in enforcing my rights under the FCRA and ensuring that my credit reports reflect only accurate and consistent information. The harm caused by this misleading reporting warrants immediate action and correction. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates as your investigation proceeds.
Product: Debt collection

XXXX XXXX XXXX  ] [ XXXX XXXX  ] [ XXXX, New York XXXX [ XXXX ] [ ( XXXX ) XXXX ] [ XXXXXX/XX/year> ] Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Inaccurate Information from Credit Report Dear XXXX XXXX XXXX am writing to formally dispute the accuracy of certain information on my credit report and request the deletion of XXXX third-party accounts that I believe to be erroneous. My credit report lists the following disputed accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number** : [ XXXX ] **Reason for Dispute** : [ e.g., paid off, not mine, incorrect balance, etc. ] I have attached any supporting documentation to this letter, including copies of payment records, correspondence, or any other relevant information that validates my position. I kindly request that you investigate these accounts and delete them from my credit report as they are damaging my credit score unfairly. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I would appreciate a written response outlining the findings of your investigation and any actions taken to resolve this matter. Thank you for your attention to this urgent request. I look forward to your prompt response. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, 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 # XXXXXXXX XXXX XXXX XXXX  # 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 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. Chapters 4
Product: Mortgage

Fifth Third Bank has made it quite difficult to make loan payments. First, there is no way to schedule regular withdrawal from another bank besides Fifth Third Bank. Therefore I have to schedule a payment for each month. This not not consistent with any other bank I've worked with in the past for my mortgages and increases the risks for people to miss a mortgage payment on accident. 

Second, the only way to contact the bank is by phone or in person. In the digital age, there should be a process to interact about banking by email or chat. This again increases the chances for people to miss payments or not address issues that could negatively affect them financially.
Product: Credit card or prepaid card

Over the few months I have been getting letters from PayPal about them sending me a MasterCard/debit card linked to my account. 
The letter requires me to go to their site and tell them I do not want the card. 
I do not not feel I should be required to continually opt out of an unsolicited credit card. 
What if the letter gets lost in the mail, and next thing you know I have a card I don't want? 
I've looked online and this seems to be common, where people suddenly get a card in the mail they didn't know anything about.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX and XXXX someone used my credit card number to make 3 charges to XXXX In the amounts of {$1000.00}, XXXX, and XXXX. 
I have called both XXXX and Chase 27 times without any results. 
My bank is Chase and even though XXXX has confirmed that these charges are fraudulent my bank refuses to reverse the charges. 
XXXX says they have handled it but still the charges are on my account. 
Please help me get my hard earned money back.
Product: Credit reporting or other personal consumer reports

According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom said report relates. These accounts are not complete and accurate. XXXX XXXX # XXXX, and XXXX XXXX XXXX  # XXXX. According to 15 USC 1681s-2, A person shall not furnish information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate. And according to 12 CFR 1006.34 ( b ) ( 5 ) the collection agency has not provided validated information but place a collection on my consumer report.
Product: Credit card or prepaid card

XXXX which provides XXXX services has a technical glitch with XXXX and XXXX browsers. After trying to make payments, session logs out and when I brought this to customer service notice, they were rude and charged me late fees. THis is a way of making money off of customers.
Product: Debt collection

2 Remaining Negative Accounts. 

Account Name : NAVIENT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Travel ID # XXXX. I cancelled this XXXX XXXX reservation and instead of the points being added back to my account, which is the proper most transparent thing to do, US BANK is giving me a credit of {$400.00}. The problem is you can't easily book another airline ticket on your own on their website. 

You are forced to call in to use your credit and the hold times are 2+hours. I have been trying to reach them for 3 days to rebook the trip. 

This credit process is broken and is a horrible customer experience. 

I still can't get anyone to help me to rebook a flight that I need soon.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 of the FCRA, codified at 15 U.S.C. 1681i, Please provide the names and business addresses of each individual with whom you verified the accounts above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

My name : XXXX XXXX XXXX XXXX XXXX XXXX My XXXX : XXXX Address for the past two years : XXXX XXXX XXXX XXXX, XXXX Fl XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these a
ccounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

I await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was brought to my attention through XXXX and XXXX that US Bank is inaccurately reporting a debt. An origina student loan from 2008. They added this derogatory account and upon further research this account was paid and was never late. This account has been transferred and sold several times. According to the FCRA my rights have been violated. This company has a phone listed that is no longer in service. They have failed to validate such debt with my written signature.
Product: Credit card or prepaid card

American Express Dispute Reference Case # XXXX I purchased on XX/XX/2018 an XXXX on XXXX. The description said it would work on XXXX. I received the item on XX/XX/2018. XXXX worked with me to set up the phone but we could NOT because we found the XXXX was locked with XXXX XXXX. XXXX XXXX said the owner of the account owed {$330.00} and that the owner was the ONLY person who could unlock the phone in order for me to use it. I contacted the seller on XXXX and he refused to work with me so I opened a dispute on XX/XX/2018 with American Express since I paid the {$450.00} with my Preferred American Express Credit Card. I opened the dispute through the American Express Dispute representative who was from XXXX. I carefully explained all details of the case, I also submitted mountains of evidence which pointed out that this XXXX was defective, not as described, nor in any way whatsoever would work because of the fraudulent activity by the seller. The representative from XXXX INCORRECTLY listed this dispute under the title of MERCHANDISE NOT RECEIVED!!!! Not once did I ever tell him that I did NOT receive the item! I was more than clear that the item was defective and NOT as described. This morning, XX/XX/2018, I learned from the American Express Dispute center that I had lost the dispute because the seller proved I had received the item!!! DUH!!! I NEVER told anyone at American Express that I had NOT received the item!! I was adamant at the onset of my call that I had been deceived by the seller 's XX/XX/XXXX description and that it could NOT work on XXXX for it was still locked on XX/XX/XXXXXX/XX/XXXX!!! I lost this dispute because of the incompetency of an American Express Dispute employee!!!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXX/XX/XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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.
Product: Credit card or prepaid card

I filed a dispute with  Barclays c ard about a late payment back  in  XX/XX/XXXX  . I called in  XX/XX/XXXX  and wrote a letter in  XX/XX/XXXX  after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.
Product: Credit reporting or other personal consumer reports

I have an ongoing complaint with Citizens Bank, and they did respond. However, they sent a letter to an address where I do not receive mail. I spoke to Citizens Bank Consumer Loan Servicing Department on XX/XX/2024 to notify them they sent mail to an address where I do not receive mail. And worse, could get me killed.

When I submitted the original complaint to CFPB, someone from the Office of the Chairman called me. We discussed the fact that my mail
should be sent to my mailing address on file with Citizens Bank. And I was assured it would.

I shared that sending my mail to my mailing address is of utmost importance to the privacy of my physical address and to my personal safety. I shared that if my physical address becomes public, I could be found and murdered. I was assured that my mail would be sent to my XXXX XXXX XXXX 

Citizens Bank has used my XXXX XXXX to service my account for as long as I have had an account with them.

I am simply asking Citizens to not jeopardize life, to use the XXXX XXXX mailing address listed on my account.
Product: Credit reporting or other personal consumer reports

I have inquiries on my report that I didn't give permission to do it's fraudulent I need this inquiry to get off my Equifax report XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate name : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK  XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Bank of America is engaging in a deceptive practice of automatically deleting the autopay information set up by customers for their credit cards, after some period of inactivity, without informing their customers of this change. This results in customers unknowingly missing their payments, being charged interest and late fees, and in many cases, receiving an adverse remark on their credit report. Furthermore, Bank of America was sued in a class action lawsuit on XX/XX/XXXX for this practice [ 1 ] [ 2 ] and several customers have shared a similar experience being negatively affected in online forums [ 3 ] [ 4 ] [ 5 ]. 

I have an open XXXX XXXX credit card with Bank of America, for which I have set up autopay, which was successfully used to pay the statement balance in XX/XX/XXXX. The credit card was not used again until XX/XX/XXXX for charges totaling {$23.00}. The balance due to these charges was, unknown to me, not paid, as Bank of America did not inform me that my autopay had been canceled. Furthermore Bank of America did not notify me that my balance was overdue at any point in time. 

I called Bank of America 's support line on XX/XX/XXXX after learning that my credit score had dropped as reported by XXXX due to a missed payment on the aforementioned Bank of America card. The support agent initially told me that Bank of America could cancel autopay after a period of activity, but later contradicted herself telling me that Bank of America is not authorized to cancel autopay, and that she could not remove the adverse remark on my credit report. 

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 XXXXXXXX
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX used deceptive practices and false information to get the CFPB to close a previous complaint without a resolution. 

They claim they are legal representation of the original creditor but failed to send me any documentation of such. They only sent me a letter saying they're a debt collector regarding the account. 

The CFPB did not require them to provide written documentation to provide they advised me they are representing the original creditor in the ongoing legal matter with the original creditor. 

If they are, in fact, the legal representation of the original creditor they sent me a letter stating they are a " debt collector '' dated XXXX XXXX about the account and alleged debt and made no mention as legal representation. They failed to send a legal response to the Affidavit of Truth sent to the original creditor on XXXX XXXX nor the Affidavit Non Response notice dated XXXX XXXX. So in fact, they are a debt collector as I have no written proof from XXXXXXXX XXXX XXXXXXXX stating otherwise. 

I am requesting the Ombudsman office handle this complaint and DO NOT CLOSE IT STATING IT WAS PREVIOUSLY RESOLVED. THE ISSUE IS ONGOING AND NOT PREVIOUSLY RESOLVED BY THE CFPB.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this to report multiple fraudulent accounts appearing on my consumer XXXX TransUnion credit report, which I do not recognize and which are the result of identity theft and fraud. These accounts include : a Credit Card opened at XXXX XXXX on XX/XX/XXXX under account number XXXX ; a Credit Card opened XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a Credit Card opened at XXXX XXXX XX/XX/XXXX under account number XXXX ; XXXX Credit Cards opened at XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXX and XXXX ; and a Credit Card opened at XXXX XXXX  on XX/XX/XXXX XXXX account number XXXX. These fraudulent accounts have resulted in several unauthorized hard inquiries and collections appearing on my credit report. I demand that all fraudulent items be removed from my consumer credit reports and that all collection activity related to these accounts cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX weeks prior to talk about my account. The representative coaxed me into putting my account on a 6 month payment arrangement. Making payments every two weeks, knowing my account was not past due nor was any of my payments late. The representative told me that my credit would not be affected that my account would stay in positive condition as longs as my payments are paid on time. Now its reporting to my credit file as late payment.