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

XX/XX/year> Subject : XXXX XXXX TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX XXXX. Despite multiple requests for correction, dated XX/XX/year> and XX/XX/year>, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payment : Account Number : XXXX Account Type : Installment ( Lease ) Account Status : Closed Balance : {$0.00} High Credit : {$12000.00} Payment Status : 60 Days Late Reported Late Payment : XX/XX/year> Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/year> is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment indicates a failure to comply with this requirement, undermining consumer rights to accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/year> from my credit report. 
Written confirmation from TransUnion that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was experiencing some financial hardships and homelessness and was behind on car payments but Ive paid what i owe
Product: Money transfer, virtual currency, or money service

My XXXX  federal tax return was deposited into the wrong account of a bank of america customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, my valid charges were refused by Barclays MasterCard. Barclays XXXX  would not respond to requests by phone or secure online messaging ( online account portal ) for clarification of rejected charges. After several days of online and telephone queries to Barclays XXXX representatives in the XXXX, Barclays sent a message informing me of a letter that was sent to my address of record. They would not provide the information over the phone or electronically. Barclays insisted I had to read the physical letter. Upon returning to my residence address, I opened the letter from Barclays XXXX which was directed to my 'Estate '. The letter said I passed away and the account was Closed. I made more than XXXX calls to Barclays XXXX customer service numbers. Barclays directs all its XXXX ' and XXXX ' phone calls to the Philippines. I spoke with more than XXXX different call center contacts in the XXXX. On XXXX occasions, Barclays agents said they would initiate an XXXX XXXX and respond within XXXX hours. Barclays never followed-up. Barclays repeatedly stonewalled me, passed me from XXXX department to another, and refused to provide any information about the account closure. Finally, after 5 days of repeated calling and messaging, a Barclays XXXXXXXX XXXX XXXX representative in the United States ( an American ) admitted the account was closed because someone reported me dead. Barclays would not explain the basis for the cancelation. Barclays would not explain what efforts they made to verify they were speaking with an authorized person. In spite of the extensive amount of times I had to provide specific details about my account in order to be acknowledged as the Cardholder. It is obvious that Barclays XXXX makes absolutely no effort whatsoever to validate the identity of random, anonymous callers who contact Barclays to report account holders as deceased. Barclays is perpetuating fraud and identity theft by way of its lack of security, lack of privacy protections, and lack of effort to shield its consumers from harassment, fraud, and identity theft. The Barclays XXXX XXXX XXXX  representative XXXX me I had to obtain a XXXX  Order ( XXXX ' ) to force Barclays to provide any information relating to the errant, false, malicious report of my death and clear defects relating to Barclays incompetent internal process and lack of validation policy relating to random callers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting hard inquires from capital one when I havent requested capital one y would I request credit thre days apart they are constantly putting a hard inquiry on my account when I am not applying
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a XXXX  XXXX card, I firmly asked if it would be SOFT credit inquiry, thy said yes. Few weeks later my credit score dropped 5 points because they did a HARD credit inquiry. After several calls and 3 letters from them they keep changing the complaint and refuse to answer why they did a HARD credit and not SOFT as they agreed to, and now they refuse to remove the HARD credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et. seq XXXX XXXX XXXX XXXX has violated my right by using abusive, deceptive, and unfair debt collection practices. i was told that i would be removed from XXXX XXXX along with my overdraft checking account that was in charge off status will be removed from negative reporting. so i agreed to pay the total of {$300.00} for my over drafted account. once i paid i was removed from XXXX XXXX and the Negative account or overdraft was never removed or payment history corrected as promised, only remark was ( paid, was a charge off but the missed payments still show. when i called to workout my issues i was told i paid the account willingly on my own and no one agreed to do anything for meXXXX XXXX XXXX XXXX deceived me and choose to report the account in a Negative viewing still after i paid in agreement. Section 15 U.S. Code 1692h Section h permits you to dictate the account ( s to which the payment is to be applied, as well as prevents the collector from applying payment to a disputed account. such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. XXXX XXXX applied my payment without consumer direction in mind i will be submitting an Affidavit of truth and prepare for monetary award and request the debt collector to pay your attorney fees if this is not updated.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I am writing to disputed hard inquiries on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize theses ha inquiries and can not find any permissible purpose under this section that justifies their presence on my credit report I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian credit report and noticed an outstanding education loan serviced by XXXX that does not belong to me. The amount of the loan was {$24000.00} as of XX/XX/XXXX and originated on XX/XX/XXXX for {$20000.00}. I disputed the account with Experian, but they told me they verified with XXXX that the information is accurate. I contacted XXXX on XX/XX/XXXX and a representative told me they could find no accounts associated with my social security number. They suggested the loan had been transferred to another servicer and advised me to contact the Department of Education, which I did immediately. The representative at the Dept of Education could find no outstanding student loans connected to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX : {$540.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2015.
Product: Credit card or prepaid card

On this website : https : //www.barclaycardus.com/applycontent/TnCs.jsp? tc34714 when I signed up for a Barclays card it says upon the first purchase you will receive XXXX bonus points. Exact wordage here : REWARD RULES Wyndham Rewards Visa with No Annual Fee Gold Level Reward Rules : " Bonus Points You must maintain an open Account that is not in default under your Cardmember Agreement with us. 
Your Account can not have been inactive for 7 billing cycles in a row ( representing approximately 7 months ). Inactive means you have no balance, no payments and no transactions. 
You must be an individual ( corporations, partnerships, and other entities may not participate ) and use the Card only for personal, family or household expenses. 

Wyndham Rewards Visa Card Cardholders will earn XXXX Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I did not receive my bonus points and I called to resolve and employee that goes by XXXX and ID XXXX  refused to give me my bonus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of temporarily unfreezing my credit with all 3 CRA 's. I was able to unfreeze XXXX and XXXX  without an issue, I simply entered my Pin/Password which was created initially to freeze my account. I did the same with Equifax and was given this response, ( see attached photo ) This prompted me to reach out to Equifax over the phone to see what the issue was. The representative told me i needed to send a cover letter with my personal information such as name, date of birth, security number to an general email bucket at Equifax in hopes to unfreeze my credit even though i gave them all of that information verbally. I am EXTREMELY hesitant of doing this for many reasons. I was able to unfreeze my credit with the other 2 CRA 's without an issue. I do not trust Equifax and feel like they are taking advantage of me the consumer. They always ask for irrelevant security questions such as " what is the balance of your credit card '', which is confusing because i have multiple cards and do not indicate which one they are referring too. They never clarify which card, or whether they want the last posted balance or current balance! Every time i answer they tell me i failed the security question and need me to send my personal information in the form of a cover letter to their random email bucket. It's infuriating that this CRA is requesting me to send my personal information in such a reckless manner when they have a track record of not being able to secure their consumers personal information. I would really appreciate some intervention from the CFPB to help, I understand the security measures of verifying my credentials but their process does not seem secure nor safe. 



Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were unable to lift your security freeze. In order to temporarily lift the security freeze please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information along with a social security card or paycheck stub showing the social security number to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX or fax the documents to ( XXXX ) XXXX. The consumer may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. 

Is this the normal process for a consumer to lift a credit freeze?
Product: Debt collection

On my credit report it says I owe XXXX medical bills which I know for sure I do n't because I 've always had medicaid. Plus I 'm not understanding how XXXX bills are the same amount.
Product: Money transfer, virtual currency, or money service

i had one account with " '' taptap send. " ", and i was using normally. when i told my wife to create one account there too. 
but something has did wrong, they dont gave explain for my wife, only suspended her account, when she called to ask about, they only say : we cant do anything, your account has suspend and you never can open account again with us. that's set! 

well, my wife was need money in her account in another country, i said for her : dont worry, i will send to you, because my account work fine. 
when i put her information from another country, and tried to send the money, " '' taptap send '' '' with no explain, just suspended my account too. 
when you call for suport or help, they only can say, i cant to do anything, you cannt open one account with us again, never! 

if you ask why, they dont has one " '' explain "... 

has start with my wife, blocking her. 
and then blocking me after. 

they dont try find the error or the problem, they dont try ask the custumer about more information, before suspend. and dont send any email or message or call, to explain why.
Product: Checking or savings account

On XX/XX/XXXX I opened a new CD account using online banking at my bank, TDBank, and used the online banking transfer tool to transfer money from my TD checking account into the new CD account. The term was for XXXX months. In XXXX I received a letter from TD notifying me that my CD will mature on XX/XX/XXXX and will be automatically renewed unless I tell them otherwise within the XXXX grace period after it matures. 
I assumed that because I opened and funded this account entirely using online banking, that I could withdraw the funds within the grace period and transfer them back to my TD checking account entirely online as well. But no, the only way for me to withdraw the funds is in person! This is what I am writing to complain about. I can transfer funds between all my other TD accounts, but for some reason, they put this hurdle in place for the CDs. I live in XXXX XXXX and the closest branch is a XXXX minute car ride away.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) 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

on XX/XX/2023 i sent a dispute to Equifax to verify a collection account that i have any knowledge in regards to. They have yet to process my request and I have given them different calls. It is past the 30 days that i understand they are allowed to process.
Product: Student loan

The initial loan was taken out on XX/XX/XXXX. Starting on XX/XX/XXXX, I made a small payment of {$88.00}. I made another payment on XX/XX/XXXX of {$97.00}. I was doing this to try and keep up with the interest that is accruing due to it being an unsubsidized loan. Another payment was made on XX/XX/XXXX in the amount of {$200.00}. On XX/XX/XXXX, I made a payment of {$200.00}. On XX/XX/XXXX, I made a payment of {$200.00} and a final payment on XX/XX/XXXX for {$200.00}. I am currently in school, so payments are not required, but I don't want the debt to accumulate. In total, I have made {$980.00} in payments. When I log into my Mohela account, all I can see is the total principal balance and the amount of interest that has accrued. There is no line item showing any credits to my account. When I called on XX/XX/XXXX, I asked for an itemization of all my account activity. XXXX said I would receive that information in XXXX business days. That never happened. I called back on XX/XX/XXXX and spoke with XXXX. He said I would receive the itemized account information in XXXX days. After that call, I received XXXX emails with the subject line " Financial Activity for Loans '' on XX/XX/XXXX, stating that there was information in my account and that I should log in to view the information. When I logged in, nothing was there. When I called on XX/XX/XXXX, they stated that the XXXX emails were an error and I should be receiving the information via XXXX mail. I received XXXX more emails on XX/XX/XXXX with the same subject line. Every time I call, I spend more time on hold than speaking with a customer service representative and when I ask to speak with a supervisor, I am denied that request. I am fearful that some of my payments have not been credited to my account. I can see that my principal balance is lower than the amount I have received in disbursements to my university, but it does not add up to the amount I have paid. Meanwhile, interest is accruing. I am only asking for an itemization of my account, but have yet to receive this information.