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

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute Regarding Incorrect Reporting of Accounts by XXXX on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute and bring to your attention an error in the reporting of my credit information by XXXX to TransUnion. Specifically, I am addressing the inaccurate reporting of 17 accounts associated with XXXX on my TransUnion credit report. 

These 17 accounts were previously reported as derogatory on my credit report. However, I wish to clarify that these accounts are in fact in good standing or have been paid as agreed. The reason for this discrepancy is due to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I received. 

As per the guidelines outlined in the XXXX  XXXX  process, once my discharge was approved, XXXX should have updated the status of these accounts to reflect that they were discharged due to my total and XXXX  XXXX. Additionally, any payments made on or after the effective date of the discharge should have been refunded, as stipulated in the XXXX  XXXX  guidelines. 

Furthermore, it is important to note that these accounts should not be marked as closed, but rather should be marked in good standing or as paid as agreed. They should also remain on my credit report as evidence of my responsible repayment history prior to the discharge. 

I have already communicated this matter to TransUnion through a certified letter, providing documentation to support my claim. However, as the reporting entity, XXXX holds responsibility for accurately reporting my credit information to the credit bureaus. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting of these accounts by XXXX on my TransUnion credit report. Specifically, I request that : The 17 accounts associated with XXXX be updated to reflect their correct status as discharged due to total and XXXX  XXXX. 
Any payments made on or after the effective date of the discharge be refunded as per the XXXX  XXXX  guidelines. 
The accounts be marked as in good standing or paid as agreed, rather than closed. 
The accounts remain on my credit report as evidence of my responsible repayment history prior to the discharge. 
I am enclosing copies of relevant documentation, including the XXXX XXXX approval, for your reference. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and ensure that my credit report accurately reflects my credit status. 

Please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, Capital one, and others have been getting reports from the XXXX credit bureaus that are incorrect. I HAVE NEVER BANKRUPTCY AND A NUMBER OF ADDRESSES HAVE BEEN DISPUTED WITH XXXX WHOSE DOCUMENTS UPLOAD DOESN'T WORK. I HAVE DEFINITELY BEEN A VICTIM OF IDENTITY THEFT IN MORE WAYS THAN ONE.
Product: Credit card

In accordance with the fair credit XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose.
Product: Checking or savings account

On XX/XX/2022, I mailed a personal check for {$490.00} from my account with Eastern Bank to pay my credit card bill, using the window envelope provided with my monthly billing statement, along with the detachable payment coupon for my bill. I sent it to my credit card company 's post office box, designated for mail-in payments. This was a full/timely payment of my monthly bill. On XX/XX/2022, my credit card company informed me that my payment was never received and that I should expect late fees to be applied. I immediately confirmed with Eastern Bank that my payment was negotiated and my bank provided me with a front and back copy of the cashed check. The back of the check shows a scanned endorsement for a deposit into a business account with XXXX for another entity, and expressly references my entire credit card number. I asked Eastern Bank-as well as my credit card company-to conduct a thorough investigation concerning my misapplied/misappropriated payment. On XX/XX/XXXX, the credit card company sent me a letter denying receipt of the funds and informing me that the temporary credit related to this dispute is now reversed, interest charges are now being assessed, and I must contact my bank for assistance in learning what happened to my funds as no further investigation will be made. Upon receipt of this letter I contacted Eastern Bank, which initially refused to initiate any investigation on my behalf because I was not the payee of the stolen/misapplied check. Instead, I was instructed to contact XXXX to determine what happened to my funds. However, because I not an account holder with XXXX, XXXX ( quite understandably ) refused to disclose any account information to me. I then contacted Eastern Bank again and asked that they conduct an investigation on my behalf. The company agreed but only if I completed a notarized Affidavit of Forged or Missing Payee 's Endorsement ( as the named payee ). I immediately went to the bank 's local branch that same day and completed the affidavit as required. I subsequently learned today that no investigation has been initiated and I have been unable to find out what has happened to my stolen/misappropriated funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, T Mobile turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store XXXX, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was turned. A year later, an {$800.00} collection ended on my credit report from XXXX XXXX 's debt collector. I have disputed the account multiple times, and it has not been investigated. My children and I are deeply affected by this situation, and I need this from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. The credit bureaus are also reporting other inaccuracies on my credit report and have yet to respond to any of the letters I sent.
Product: Credit reporting or other personal consumer reports

I attend here back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX this school was recently change name was XXXX at time I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off
Product: Debt collection

In 2016, I ended my contract with XXXXXXXX XXXX. Now here we are 2 years later and I am receiving threatening calls from a collection agency ( Accelerated Receivables ) and law firm threatening me almost on a daily basis. I owe nothing on this account and certainly not {$1600.00} to them. I have asked them to send me something in writing that proves this debt and still I have received nothing. This seems like an ongoing issue with XXXX after looking at reviews on the XXXX.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report 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 the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I only borrowed {$300.00} and have made 8 payments of {$75.00} and they are saying I still owe {$150.00}. I don't think its right. All American Loans located XXXX, Oklahoma
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Checking or savings account

When I call PayPal XXXX  this company comes up on the callers id XXXX XXXX XXXX XXXX. I tried to get the my old cell number back I was registered with XXXX XXXX XXXX as owning a business which I don't have It was something shady here. Which has a lot to do with me not getting my account back. 

Acct # XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair. 
This has occurred on multiple occasions.
Product: Credit card

I cancelled my Macy 's credit card account in XX/XX/2015. Today, I got an e-mail telling me I have a balance of {$2.00} for " minimum interest charges '' even though I have had a XXXX balance for a month. I have confirmation from a customer service rep ( attached ) that my account was closed as of XX/XX/2015. 1-How can they charge interest on a zero balance and 2- How can I owe them money on an account that was closed a month ago? Please help.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX  XXXX {$500.00} XXXX # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE XXXX XXXX {$540.00} XXXX # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE XXXX XXXX {$270.00} XXXX # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE XXXX XXXX {$600.00} # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE XXXX XXXX {$200.00} XXXX # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE XXXX XXXX  XXXX # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE XXXX XXXX XXXX {$500.00} XXXX # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE XXXX XXXX {$9100.00} XXXX XXXX XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

All data necessary to take out loans, acquire credit reports, etc taken in the hack. The severity of this is life alteringly bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not  XXXX . So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.
Product: Bank account or service

Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX Time ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However Transunion and XXXX I haven't been able to contact.Want it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Product: Credit reporting or other personal consumer reports

I sent off a letter on XX/XX/2023. Here are my tracking # 's ( XXXX ), ( XXXX ) To remove personal information i do not want on my credit report. According to the fair credit act 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802.No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute via fax to Equifax to ensure compliance on an item on my credit report. I received a response dated XX/XX/XXXX stating the item was verified. On XX/XX/XXXX I faxed a request to Equifax asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' dated XX/XX/XXXX from Equifax just stating the items was verified so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Equifax did not comply with this request within the time frame allotted they need to delete the disputed account.
Product: Credit reporting or other personal consumer reports

I paid off a car loan and they said they won't update my account for 3 months. I need my account updated as they would a late payment., it shouldn't take long according to the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a seven year old medical bill that Equifax refuses to remove and keeps letting the collection company report it. XXXX XXXX XXXX is the collection company. XXXX XXXX XXXX is the original debtor. Amount is {$620.00} First delinquency date is XX/XX/XXXX. It is still listed on my credit report and the last update was on XX/XX/XXXX. I have asked that it be removed as stated by federal law on consumer debt after seven years but Equifax refuses to do so and just keeps on letting it be updated every month.Fair and correct reporting is what they say but I do not ever see it when it comes to Equifax.
Product: Credit card or prepaid card

Hello, I recently had referred my friends to apply chase freedom unlimited card using the link I sent, and the person was approved 7 weeks ago. But I have not received the referral bonus confirmation email or any other information regarding this issue. I have contacted the chase before without solution. 

Thank you
Product: Credit reporting or other personal consumer reports

I have a account XXXX XXXX  REPORTING A COLLECTION FOR XXXX FROM XXXX XXXX when its XXXX this is a invalid and mistake and I have the original creditor reaching out Why is this on credit with the wrong information This has been looked into twice and still reporting false information please delete
Product: Credit reporting or other personal consumer reports

I disagree 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 XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.