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

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

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
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
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/XXXX, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for helping me with this..
Product: Student loan

American Education Services is incorrectly reporting loan amounts I received from XXXX College. I  received only one FFELP loan from XXXX College in the amount of {$1700.00}. I attended XXXX College from Fall XX/XX/XXXXto Summer XX/XX/XXXX. The Master Agreement was signed on XX/XX/XXXX.  The original amount of the loan was {$1700.00} and the current balance is {$2800.00}. AES is reporting that I received and owe a total of five student loans, all from XXXX College. The Federal Stafford Loan issued on XX/XX/XXXX, is the only loan I received from XXXX College. The following is a list of loan details reported by AES : XX/XX/XXXX Federal Stafford Loan Repayment {$2800.00} XX/XX/XXXX Federal Stafford Loan Repayment {$5100.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$3100.00} View Details for this entry XX/XX/XXXX Federal Stafford Loan Repayment {$3800.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$7200.00} I have attempted to resolve this dispute with AES and requested a copy of the Promissary Notes for the aforementioned loans. AES provided me a copy of one promissary note, but was unable to furnish any proof that the loans owed belong to me. I have reached out to XXXX College financial aid office and they have verified that I only received one loan in the amount of {$1700.00} during my enrollment. XXXX College also agreed to contact AES. I am requesting AES to remove all erroneous, non verifiable student loans from my account.
Product: Vehicle loan or lease

The lease for the vehicle ended on XX/XX/2020. In advance of that date XX/XX/2020 I sent a cashiers check foe {$19000.00} ( an amount given to me by Kia Motor Finance ) to Kia Motor Finance to purchase the car. They received the payment ( signed for it ) on XX/XX/XXXX and cashed the check 3 days later. I have not as yet received the title and whenever I call their customer service a recording says they are busy and to call back at a later time. Twice in over 30 attempts have I been able to talk to a person. The last time XX/XX/XXXX, I was told everything was in order and that person would contact the title department to forward the title to me. It is now the XXXX of XXXX and the title has not been received and I can not get through to customer service person to get an update. I leased the vehicle through XXXX XXXX XXXX in XXXX Washington however they have informed me they can not assist in this matter because it is between me and Kia Motor Finance. It seems unusual to me they can not assist in that they processed the lease with KMF and served as their agent when processing the lease. All I'm trying to do is get the title for which I paid {$19000.00}. My lease payment record with KMF is excellent. Any help you could provide would b greatly appreciated.
Product: Credit reporting or other personal consumer reports

I was switched from XXXX XXXX XXXX XXXX loan servicer and I have been paying on time for more than three months now. I have even paid off one of the two loans already but my new servicer is not reporting anything to the credit bureaus. My credit report still has XXXX as my loan servicer and a the wrong balance on there. I've called the credit bureau and they stated that XXXX XXXX has not reported anything. So I called XXXX XXXX XXXX and they told me it would be 30 days, however it's been longer than that now and nothing still has changed. My balance reported say over {$15000.00} but I only owe a little over {$11000.00}. I'm trying to clean up my credit report and this is not helping.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for repeatedly inaccurately reporting the delinquency dates of several accounts held with XXXX on my credit report. Despite multiple attempts to rectify this issue directly with TransUnion, the erroneous information persists, adversely affecting my credit score and financial standing. 

Key Details of the Dispute : Original Delinquency Date : The accounts in question became delinquent in XXXX. This date should legally mark the commencement of the seven-year period for the information to remain on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Last Payment Date : The last payment made on these accounts was in XXXX. However, this payment did not bring the accounts current. According to the FCRA, the date of the first delinquency should remain the start date for the seven-year reporting period, even if subsequent payments were made. 

Evidence Submitted : In my disputes with TransUnion, I have provided clear evidence, including account statements and records, confirming that the delinquency date for these accounts was indeed in XXXX and not XXXX. 

Repeated Disputes and Lack of Resolution : Despite providing adequate evidence and engaging in multiple disputes, TransUnion has failed to correct the delinquency dates on these accounts. This continued misreporting demonstrates either a significant oversight in their dispute resolution process or a willful neglect of accurate credit reporting practices. 

Impact on Me : This incorrect information has unjustly lowered my credit score, potentially affecting my ability to obtain credit, secure housing, or even gain employment. The emotional and financial stress caused by this inaccuracy can not be overstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from Experian. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not XXXX XXXX accurate. 

Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX  XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). 

I attached my consumer report as evidence.
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally report an issue I have encountered with Navy Federal Credit Union and request your assistance in resolving it. Specifically, I am appealing XXXX unauthorized transactions totaling {$2900.00} that occurred on my account. These transactions were not authorized by me, and despite my efforts to resolve the matter, Navy Federal has denied my request for a refund. 

The transactions in question, each for {$990.00}, were processed without my consent. Upon noticing these charges, I immediately attempted to contact the company named XXXX, which appeared to be associated with the transactions. However, despite their promise to respond within XXXX hours, I have yet to receive any communication from them. I have provided proof of my attempts to reach XXXX, including email correspondence, which I am attaching for your reference. 

Additionally, I have filed a police report regarding the unauthorized transactions. The report, which is included as part of this submission, details the incident and supports the claim that these transactions were fraudulent. I am confident that these transactions were not authorized by me, and I believe that I am entitled to a refund of the total amount of {$2900.00}. 

In addition to my efforts to reach XXXX, I also submitted an appeal to Navy Federal Credit Union, requesting a reversal of the charges. Unfortunately, my appeal is pending, and I have not received my funds back. I am unable to wait any longer for a resolution and need my money returned promptly. 

I respectfully request your assistance in helping me recover the funds and resolve this issue. Thank you for your attention to this matter. I look forward to your prompt assistance. 

Sincerely, [ Your Full Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Experian that the XXXX XXXX XXXX Account do not belong to me. There are XXXX accounts reporting on my credit file negatively and both of these accounts do not belong to me. I have had a difficult time trying to get Experian to remove this inaccurate or fraud item from my credit file. Please assist me in getting these accounts removed from my credit file.
Product: Debt collection

The original account was with XXXX XXXX XXXX for internet services. I closed the account because I moved in XX/XX/XXXX. I paid all bills ( through auto pay directly out of my account ) and returned the router to the XXXX XXXX location in XXXX. 

I have never received a bill, notification or any other communication from XXXX XXXX. Furthermore, even if there was a debt the account was in autopay and all outstanding balances should have been paid through that. 

I now have a negative report on my XXXX Credit report for {$56.00} owed to XXXX XXXX XXXX as a collection/charge off on behalf of XXXX XXXX XXXX. This began reporting in XX/XX/XXXX to XXXX. I have not received ANY communications from XXXX XXXX XXXX or XXXX XXXX XXXX about any debt or that anything will be sent to the credit bureaus. This is absolutely incorrect and I demand that either XXXX XXXX XXXX or XXXX XXXX XXXX correct this negative information immediately.
Product: Credit card

Re : Foreign Transaction fees charged by Bank of America While making travel arrangements I recently had occasion to make purchases that apparently were processed in XXXX even though the companies involved do business in the United States. XXXX was the tour company XXXX and the other was XXXX. I was disgusted to see how much I had to pay in foreign transaction fees : a total of {$87.00}. This is not to mention other fees I have paid in the past for clothing ordered from a company in XX/XX/XXXX that does business in the US. 
I consider these totally unjustified charges. B of A is already making a profit from the fees charged the companies using their services. How can they justify charging the customers as well especially since these companies do business in the US and I paid in dollars?
Product: Credit reporting

I disputed to items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did a dispute with all XXXX reporting agencies. It has been well over 30 days with no contact from anyone. I know that with the fair credit reporting act, that if no contact is made within 30 days, then those items must be removed from my credit report immediately! I have also filed a complaint with the XXXX. I want these items taken off my credit report ASAP as it is affecting my ability of getting a mortgage. Please can you help me as no one else seems to want to help! I want this false information taken off! 
Thank you XXXX XXXX XXXX
Product: Debt collection

Prerecorded messages that do not state who is calling. 
Prerecorded messages asking for people I do not know Prerecorded messages stating legal action will be taken if I do not call them back. 
When I do call them back they make threats of jail etc, If I do not pay the debt of these people they keep calling for. 

Hang up calls from XXXX, spoofed caller ID numbers as early as XXXX until as late as XXXX. Yes I do have a police report number and some of the calls have been traced by XXXX. 

When we get XXXX illegally run ( illegally due to not following governing laws ) 3rd party old debt collector to stop harassing us about these people whom again we do n't know another one starts calling. 
the process starts all over again as if these unscrupulous debt collectors are working together to harass people. 

The phone number receiving the call is XXXX ... 
The latest calls have been from XXXX. 

XXXX The ROI Companies ( Headquarters ) Phone : ( XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to my funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted the Creditors and let them know that I do not have any accounts associated with their Financial Institutions and I did not authorize or give permission for credit check with the inquiries soft or Hard. ( XXXX XXXX XXXX  is the only Authorized ) All others are reporting Falsely. 
On XX/XX/year> I contacted XXXX spoke with Representative name XXXX for 20 minutes and 39 seconds as he kept telling me that he can not remove the Hard inquiries felt like my Blood Pressure was elevated. XXXX XXXX rep gave me the phone numbers again for each creditor which I've already told him that I contacted, then called Transunion and XXXX and advised them according to the FCRA- Fair Credit Reporting Act unauthorized & unverified Items must be removed. 

I am requesting the Removal of all Hard Inquiries from all 3 credit bureaus for False reporting inaccurate unauthorized information to my name. 
*XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX - Account Number : XXXX Unauthorized inquiries : 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 sent a debt validation letter requesting they validate the debt was mine. They sent a letter stating they were not able to find me In their system. I provided an account number from my credit report, my name, and address. They stated they cant find me but will not remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was Modified XXXX of last year, the new servicer began reporting my loan past due and updated my payment history to show me as past due. They claim the modification is still pending 14 months later. Also they claim they are selling my loan to an investor from XXXX  to a private investor and this is why it's causing a delay.
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, 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.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within XXXX  days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 



Sincerely, XXXX XXXX
Product: Mortgage

Mortgage customer send payment for mortgage on XXXX to Bank of America from my XXXX online account XXXX  shows proof of delivery on XXXX for XXXX Tried calling Bank of America countless times call wait times average 90 min to 1 hour Need to get status on payment being processed
Product: Credit card or prepaid card

I have a Platinum Capital One Card. I have no activity on this card since XX/XX/2022 and my last cash advance was in XX/XX/2022. My balance stay just over XXXX because Capital One keeps charging me cash advance fee and a purchase fee. When I pay above the minimum due my balance never goes down. When the fees are charged each month it takes away from my available balance and my balance is back over XXXX. The only activity on this card now is the fees they are charging me each month. I have asked the card be canceled. I assume that has happened. I called and they give me this spiel about how the payments are posted and that is it. 

I was told that I am still paying off the cash advance that was done nine months ago??? 
and that I will have to pay the card in full if I want to stop getting charged cash advance fees. 

All I know is if I pay above the minimum and have made no other charges my balance should go down.
Product: Credit card

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$1000.00}, but am unable to get my money back due to Bank of America not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Bank of America, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. Bank of America has told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Bank of America. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Bank of America has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are XXXX pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : AGA and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX  XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX  FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX