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

XX/XX/2024 Dear CFPB, Subject : Request for Correction of Inaccurate Late Payment Reporting on Account I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account 30-Day Late Payment : Incorrectly reported as XXXX days late in XXXX, despite my consistent on-time payment history. 
Account Status and Remarks : The account status is incorrectly listed as Closed, with remarks indicating the account was late, which inaccurately reflects my payment history and account standing. 
Dispute Status : Incorrectly listed as " Account not disputed, '' despite my previous attempts to rectify this issue through disputes on XX/XX/2024 and XX/XX/2024. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has been giving me an extremely hard time, I have already had this account removed from both My XXXX XXXX XXXX reports because the debt couldnt be validated. XXXX has chosen to continue reporting it, even after it shows to be past 7 years. The debtor ( Procollect has been illegally refreshing the debt.
Product: Credit card or prepaid card

On a trip to XXXX on XX/XX/2019, I had an eight hour layover in XXXX. I used my credit card in a few places, however they were 12 ATM withdrawals that I did not do. 4 at one bank in 4 minutes on XX/XX/XXXX, and the other 8 at another location bank in 8 mins on XX/XX/XXXX. A transaction every 60 seconds. I actually left XXXX early evening in the XX/XX/XXXX. Initially the credit card company credited my account and told me it was a computer glitch, then they reversed it and put the charges back on my card. I have called them numerous times and tried to explain I was in XXXX when the withdrawals were done in the XX/XX/XXXX. I even used my card in XXXX. I was told by a supervisor that I could have given someone my card to use and then they brought it over to XXXX. Its absurd what I have gone through with Barclay. I have even called one of the Barclay banks in the XXXX where one of the ATM transaction was done but they told me Id have to go through my bank in in the US. I know the banks in the XXXX would have cameras so if someone did use the atm with a cloned card they could be identified. I just cant get a sensible person at Barclays to talk to. Our many conversations go round in circles with them telling me I probably gave my card to someone to use. I have been with Barclays for several years and Ive never missed a payment or had an issue, but they are just refusing to help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.have all violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 


My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.
Product: Mortgage

I paid off XXXX XXXX XXXX  XXXX XXXX Ca. in XX/XX/XXXX. Of the remaining payoff funds- XXXX. XXXX was paid to escrow, which had a balance of XXXX and tax and insurance paid in full, a corporate advance from escrow of XXXX and an escrow refund of XXXX to me. Yes in XXXX after a major injury we went into pre forclosure but dumped IRAs to pay all the fees and costs and back payments in one lump XXXX sum so the home never foreclosed. We have been in good standing since XXXX. I felt helpless and railroaded in XXXX and I feel helpless and cheated now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an apartment with XXXX XXXX on XX/XX/18 because of my credit score. Upon looking at my Experian report, I noticed several inaccuracies. When I attempted to contact Experian online, I was told my dispute could not be filed.
Product: Checking or savings account

I accidentally got into my XXXX account on Bank of America and sent my mom some money now I cant get it back.
Product: Credit reporting or other personal consumer reports

My legal name is not recorded on my personal credit profile. The names listed on those reporting agency profiles are not me/mine. I have submitted disputes with XXXX XXXX Experian reporting agencies to no avail. Both still show some or all of the inaccuracies as AKA or other names.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN and AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$2300.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties.

The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared.

The institution provides an explanation of how the consumer can exercise this opt-out right. 
In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights.
Product: Mortgage

We have contacted the mortgage company several times about the a {$7000.00} K fee that can not seem to be explained to us. We 1st had our mortgage with XXXX. Citi is saying that we have a loan with them that neither of us can point to that we had. Later the loan was sold to XXXX XXXX. It has now been sold to a XXXX XXXX. It still has this XXXX fee that no one seems to have an explanation of why it is there. There are no specific dates that I have that can be supported. We have been trying to address this issue for over 10 years now with no results.
Product: Debt collection

When been getting phone calls several times a day from Credence Resource Management. Caller ID says XXXX Ohio. I never answer except to stop the phone from ringing and hang up. I finally called them and found out who they are by listening to their recording. They are using different phone numbers. XXXX, XXXX. We do not have any outstanding debt so this is a total scam.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -XXXX -- -- - XXXX XXXX -- -- -Experian -- -- - XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX
Product: Mortgage

I originally refinanced my home back in XXXX of XXXX, with an XXXX XXXX XXXX XXXX fixed/variable rate loan. This loan was to be eligible for an adjustable interest rate re-lock every five years, contingent on borrower ( me ) maintaining good credit and repayment record. When my loan was transferred to XXXX XXXX ( due to XXXX XXXX being purchased ), XXXX XXXX respected these terms and offered me a rate renewal lock at the end of my first 5-year period. 

Fast-forward another four years, and now XXXX XXXX has left the mortgage loan business and handed my loan over to Rushmore Loan Management Services. I am almost at the end of my second 5-year term of the loan, and I spoke with Rushmore on Tuesday, XX/XX/XXXX, to verify that I would in fact be offered a rate renewal at loan-term maturity. I was told " We don't do that '' and instead was directed to download their loan modification application from their website, a multi-page document requiring very detailed information regarding every aspect of my finances -- clearly a new loan application that would require going through an extensive underwriting process. 

Frankly, I don't care to apply for a new loan at this time, or go through a refinance loan, either. I am current on all of my payments, and have maintained a spotless repayment record throughout the entire term of my loan to date. My credit status has also maintained a very high rating. I have a perfectly good existing loan, and I see no reason why my loan 's original terms and benefits should not be honored and upheld. I am very disappointed that a mortgage service provider should arbitrarily decide to change a customer 's existing loan when they have no right to do so. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Hard inquiries Not authorized and demand removal from the three CRAs : XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX Inquired on XX/XX/2024 XXXX  Inquired on XX/XX/2024 XXXX AUTO XXXX Inquired on XX/XX/2024 XXXX XXXX Inquired on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX  Original creditor : 11 XXXX XXXX  These accounts are individual actions, they must be delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card

I had a conversation with somebody in the fraud department of FNBO on XX/XX/XXXX. The person required me to confirm my identity by providing her with my driver 's license number and address in the state of Illinois. I haven't lived in Illinois since XXXX, and didn't get a driver 's license till XXXX, in the state of Oregon. She refused to accept my feedback and correct their information, even though my credit card account with the FNBO was open in XXXX on the basis of current an correct information, which can also be easily verifiable via any of the 3 credit history services ( XXXX, XXXX, XXXX ). The fact that I was given a {$20000.00} credit line shows that FNBO was able to successfully veru my application information in XXXX. Yet, in XXXX, it insists on using information that is either obsolete as of XXXX, or never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I settled my student loan debt for debt XXXX : XXXX & XXXX. I have a letter from XXXX XXXX XXXX that states that this account was considered " settled in full ''. In both XX/XX/2019 & XX/XX/2019 the credit reporting agency reported this debt as a collection and unpaid and it has dropped my score. I am in possession of proof of this amount coming out of my account in full on XX/XX/2019 ; I have a letter dated XX/XX/2019 stating that this account is paid in full. 
This derogatory information is preventing me from buying my first home. I respectfully request your help in updating the derogatory information and the inaccurate late payments for XXXX & XX/XX/2019. 

If you require any documentation as proof of payment or a copy of the letter showing proof of payment, please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} XXXX XXXX  XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed by XXXX company which associated with XXXX company
Product: Credit card

Several email have come to my attention from Indigo Mastercard/Concora credit . They want me to set up my account but I never applied, Ive called and asked for them to search for an account by the email address but they only seem interested in my SSN and personal information. ( Which hopefully they dont have but I am unwilling to share it to confirm ) That is when I decided to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With Trans Union I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX   and XXXX  I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with Trans Union but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.
Product: Credit reporting or other personal consumer reports

AXCSSFN/CNGO is in clear violation of this law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account has been sold to another lender which means they don't have OWNERSHIP of this account and is reporting inaccurately on my credit report. 

This account does not exist on my EQUIFAX credit report and needs to be removed from XXXX XXXX XXXX immediately for reporting inaccurately
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have sufficient time to review and make necessary payments without being penalized for late payments.

Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXX o Late Payment Date : XX/XX/XXXX o Payment Status : 30 days late. 
o Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX o Account Number : XXXX o Late Payment Date : XXXX, XXXX o Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.