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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccuracies in my credit reports from Experian, as accessed through both XXXX and Experians mobile app. These reports fail to reflect my XXXX rent payment, despite evidence confirming it has been paid.

This inaccuracy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, which emphasizes the importance of fair and accurate credit reporting. According to this statute : 1. The banking system depends on accurate credit reporting.

2. Inaccurate reports impair the system 's efficiency and undermine public confidence.

3. Consumer reporting agencies are tasked with assembling and evaluating accurate information about consumers. 



I have attached my rental ledger as evidence of payment, which clearly shows that my XXXX rent was paid in full. Despite this, Experian has failed to update my credit report, which may harm my creditworthiness and standing. 

I request that the CFPB investigate this matter and ensure that Experian complies with the FCRA by correcting the inaccuracies in my credit report. Additionally, I request that Experian confirm the corrections in writing once the updates have been made. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional documentation or information. 

Sincerely,
Product: Mortgage

I received a small settlement because of a diesel spill on my property. My loans were supposed to be suspended until the case was over per my lender. I went into Amerititle in XXXX XXXX and gave them a $ XXXX payment to pay off my second mortgage of XXXX or so. I am now trying to pay on my mortgage and found out these people took my money, did not pay my 2 nd mortgage off as I STATED, this was the only reason I paid XXXX XXXX I find out now they put it on my first mortgage, which increased my payments by over {$400.00} since I now have 2 mortgages to pay, I am being forced to pay interest and fees reaching in the {$1000.00}. I have contacted them numerous times and no one will get this resolved for me. I NEVER WOULD HAD GIVEN THEM THE MONIES IF I WASNT GOING TO PAY OFF MY LOAN. I OWE MORE NOW do to them scamming me out of my ORIGINAL PAYMENT CHOICE. I have no idea how a company can take my money and do the opposite of what I requested as well as benefitted by adding fees to BOTH mortgages now. I need them to change my payment to what I had requested and take off all the fees that they accumulated over the time of my loss. I am furious because corporate office wont return my messages, employees at the office wont even respond to my messages or emails. I am falling into forclosure from the problems this company has caused for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the inquiry dated XX/XX/2021 from XXXX XXXX be removed. I never applied for a mortgage in XX/XX/2021 nor have done any business with XXXX XXXX.
Product: Debt collection

Didnt receive information from the original debt collector with signatures validating the debt
Product: Debt collection

I notified to company to cease and desist back in 2021 and made them aware this was harassing and fraudulent to indicate I the consumer could be liable for this alleged balance and how the FDCPA and FCRA both protect me and my rights.
Product: Debt collection

I am disputing several inaccurate entries on my credit report that are being reported by Jefferson Capital Systems and XXXX XXXX XXXX. These accounts are incorrect, unverifiable, or outdated, and they are negatively impacting my credit score. Despite my efforts to resolve these disputes directly with the creditors, these inaccuracies have not been corrected. 

The specific accounts in question are as follows : 1. Jefferson Capital Systems : {$390.00} 2. Jefferson Capital Systems : {$1000.00} 3. XXXX XXXX XXXX : {$3900.00} These accounts do not reflect my true financial standing, and I have provided documentation showing that they are either erroneous or can not be verified according to my rights under the Fair Credit Reporting Act ( FCRA ). I believe that these accounts should be removed from my credit report to reflect accurate information. 

I have attached my formal dispute letter and supporting documentation, including copies of my credit reports showing these disputed accounts. I am requesting the CFPB 's assistance in resolving this matter, as these entries continue to damage my financial reputation despite my lawful right to challenge and correct them.
Product: Money transfer, virtual currency, or money service

It started out with my friend in school posted a pic saying that she made this much in this amount of hours. Thinking that it was my friend, she wouldnt lie about it. In the post, she mentioned a person that was her mentor. So I decided to message the person, thinking that its a great opportunity to make more money to help my parents. Time went by, I invested around 9k, which was all of my savings. At this point, it was too late to do anything. I realized that my friends account got hacked and it wasnt her that posted. The person that was supposed to be my mentor kept giving me promises that Ill be able to withdraw it but they kept asking for more money. At this point, I sunk, I was devastated, dont know what to do, cant stop crying because they wont give me my money back. I reached out to XXXX XXXX XXXX, they couldnt help. As well as Zelle which was where I sent the money using Zelle in XXXX  XXXX XXXX app. They couldnt help me neither. Im only XXXX, I really cant let my parents know, Im trying so much to get my money back. Im currently working with payback to help getting my money back but it has been almost 3 months. Im not sure if itll work and Ill be able to get my money back. I used Zelle to sent {$1500.00} on XX/XX/2022, {$2400.00} on XX/XX/2022, {$450.00} on XX/XX/2022, {$3000.00} on XX/XX/2022, and {$800.00} on XX/XX/XXXX and plus {$100.00} using bitcoin atm. Thats why I decided to reach out to you, please have a look at this. Thank you so much.
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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because my payment was made on time. My bank confirmed that the payment was processed on the due date, but due to a delay in XXXX XXXX XXXXXXXX 's payment posting system, it was mistakenly marked as late. I provided the following evidence to support my dispute : A bank statement showing the payment made on the due date. 
A payment confirmation receipt from XXXX XXXX XXXXXXXX indicating the payment was processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

RE : Inaccurate Late Payment Reported Inaccurately Inaccurately Reported Account : XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning COVID-19 was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy.

This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and Experian which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I submitted a form by certified mail to TransUnion attempting to initiate a credit freeze on my TransUnion credit report. Enclosed with the filled out form was a photocopy of my current Kansas drivers license and a check for {$5.00} ( ck # XXXX ) drawn on my personal XXXX XXXX account. I subsequently received a letter from TransUnion, dated XX/XX/XXXX- file # XXXX, stating my request was denied because only one form of proof was provided, and that if I called them at XXXX I could complete a verbal authentication process and my records would be updated to show my current mailing address. Following this advice I called the number. The CSR did n't authenticate my identification but told me that he could accomplish the credit freeze right then and there if I provided him with a credit card number so he could process a charge for {$5.00} to cover the cost of the freeze. I explained that I had already paid his company the {$5.00}, but he insisted that if I wanted the freeze I would need to provide a card number, which I then did.
Upon receiving my credit card and bank statements this past week I noticed that TransUnion had in fact charged my credit card {$5.00} as well as cashed my {$5.00} check. I called the company and explained this and asked for them to issue a {$5.00} refund. After an extended time on hold, while the CSR conferred with someone else, I was advised that in order for them to issue a refund I would have to provide them with my bank statement showing that my account had been debited. At that point I attempted to impress upon the CSR that I had no intention of providing TransUnion, a company that collects and sells personal private information about American citizen on the open market, with my bank statement, and that if they wanted to verify that they had cashed my check they could examine their own bank statement or related accounting data. This argument did n't seem to phase her and that is where we concluded our conversation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXXXXXX XXXX XXXXXXXX - XX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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: Money transfer, virtual currency, or money service

I was going to buy an Outlander through XXXX to a person under the name of XXXX XXXX, she asked me to give her {$100.00} dlls in advance, and the rest when we meet, so I sent the money trough Zelle, with this mail XXXX under the name of XXXX XXXX, and I never heard back from her again
Product: Debt collection

XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that both the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.
Product: Vehicle loan or lease

I am writing to express my grave concern and frustration regarding the ongoing issues I have faced with Truist Bank, operating as Regional Acceptance Corporation. Despite my numerous attempts to address the situation, Truist Bank has violated my rights under the Truth in Lending Act ( TILA ) by never executing the new contract as promised, stealing money as a good faith to the new contract and illegally repossessing my vehicle and failing to adhere to the new payment agreement we established in XX/XX/2023. 

In XXXX of this year, I attempted to make my payment online, only to find that the system did not accept it due to Truist failure to properly set up the new contract. It took Truist Bank two months to resolve the issue, during which time they took no responsibility for their error. They insisted the first payment be made by direct debit payment to secure the new contract, which I promptly set up in good faith and the that the payment was debited from my account. Despite this, my vehicle was repossessed yesterday morning without warning leaving me without transportation to get to work. My work computer, daily cash deposit that I was scheduled to take to the bank yesterday morning and my work badge and office keys were in the vehicle. Also, the vehicle was recently inspected so my tags are good and need to be returned, as well my garage remote and easy pass formthe toll roads. Coats, jewelry and other personal belongings were in the vehicle. 

I have previously reached out to your office about Truist Bank 's fraudulent practices, and I urge you to take swift and decisive action against this company. This is an obvious preditory lender. How can anyone get ahead with companies charging 18 % interest and requesting down payments and restructuring loans only to breach the contract. This is a total scam! I teach for this state. So I do the most and make the least and now Im in danger of losing my job due to lack of transportation. I kindly request that your office investigate this matter thoroughly and hold Truist Bank accountable for their actions. It does no good for me to speak to Truist because they always answer and give the impression they want to help, but they just continue charging me extra money that I dont have to spare and never honoring the contract.

I appreciate your attention to this urgent matter and look forward to a prompt resolution. Please keep me informed about the steps your office will be taking to address this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not verify complete file information including my full name, address, date of birth and SSN # for the questionable items on my report. My ex-wife has fraudulently opened accounts and attempted to get credit in my name. It's becoming increasingly difficult to obtain credit and get decent interest rates with this inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX Quicken Loans/XXXX XXXX The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2013, a guy approached my husband at the hospital waiting room meanwhile I was at the XXXX room, convinced him of this equipment rental for my post-XXXX recovery, got my credit card and personal information from my husband and disappeared. Stressed as my husband was waiting for the outcome of my XXXX, he thought that this guy belonged to the hospital personnel and he was n't we found out later. 
The rented Item was never delivered to my house, being an equipment rental, if it would had been delivered to my house, they would have had to pick it up as well. The pickup never happened because the item was never delivered. 
Since the item was charged into my credit card by XXXX XXXX, I called XXXX XXXX Credit Cards and told them that I never received the item. After a thorough investigation XXXX XXXX removed the charge from my credit card account. 
A year later or more, I received a call from a Collection Agency, XXXX XXXX XXXX XXXX, trying to get money from me that I never owed. According to this Collection Agency, the debt to a XXXX XXXX XXXX. I told XXXX XXXX XXXX, what happened again, that the item was never delivered to me. 
I also expressed to the Collection Agency, that if they had bought a debt that never existed from XXXX XXXX, they were supposed to take it against XXXX XXXX and not harass and yell at me, like they were doing every time I answered the telephone. 
I just learned from Experian and XXXX Credit Report Agencies, the  complete name of this Collection Agency that was calling me since I had a hard time trying to get their name because whenever I answered the telephone to them, they were always shouting at me and trying to intimidate me to make me pay for something that I did not owe, and do not owe. 
According to the Credit Report Agency Experian, this Collection Agency has LEGALLY CERTIFIED that the debt belongs to me and that I did not pay it. 
My question is, how can a company LEGALLY CERTIFIES something that is not true. Moreover, try to hurt my Credit Record where I have always kept an  average score of XXXX or more, since I do not like to owe, and I pay all my accounts in time. 
Based on what criteria Credit Report Agencies, believe Collections Agency statements over customers statements that have never had a collection, and have never paid late. 
Why not asking for trustworthy proof before placing a collection in my account. By not requesting proof or support for their allegations, before publishing something that hurt my name and my records, the Credit Report Agencies become accomplice of these type of unscrupulous Collection Agencies. 
The same way that we might have not received approval for a credit card or a loan, based on this false information published, there should be a penalty for the Credit Report Agencies and for these Collection Agencies for giving false information to vendors or providers.
Thank you very much for your prompt attention to this matter, and looking forward to hear from you soon since I consider these false accusations in my credit reports to be damaging my image and my reputation.
Product: Credit reporting or other personal consumer reports

Ive tried multiple times with no prevail, I waited over 30 days 2 times and the last one they still didnt fix my credit report, I have XXXX accounts on my credit report that are 5 years or older and per XXXX law its illegal to collect ANY debt over that time period, so it is to be taking off, I also called XXXX and give them notice of the things I was opting out of and per 15 usc 6508, when the company is giving notice they are to fix it and have it reflected on my credit report, they are also reporting bank transactions which is illegal, and I haven't received my 1099cs for any of these accounts in order to do my taxes properly, they are violating my consumer rights and not doing theyre job
Product: Consumer Loan

I believe i may have been a victum of fraud by USA discounters. Looking for more information.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX ) I am Attaching identity and proof of address. Also, there are several inaccuracies reporting on this account
Product: Credit card

Email for credit card application indicated a {$200.00} bonus for opening account and meeting minimum spend requirements. Minimum spend requirements were met, but only a {$100.00} bonus was posted to account.