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

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted a dispute to [ TRANSUNION ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, 1; explaining that the reported late payment was inaccurate for the following reasons : [ Briefly summarize the reason you believe the late payment is incorrect. For instance, you may have made your payment on time or there may have been a clerical error. ] XXXX ; [ Mention any relevant evidence you provided, such as bank statements or payment confirmations. ] 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, Regards/Sincerely, Name : XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on 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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. Radius Global Solutions LLC {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. In Accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACCOUNT NAME : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$11000.00} ACCOUNT NAME : LVNV FUNDING LLC ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : LVNV FUNDING LLC ACCOUNT NUMBER XXXX ACCOUNT BALANCE : {$1100.00} 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 also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S. Code 1692f states : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. ( 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

bridgecrest did not move XXXX and XXXX payments to the end of the contract as agreed in the extension agreement and instead put a late payment status on the credit account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some unauthorized accounts and inquiries on my credit profile that I NEED assistance in removing. Below are the list of accounts and inquiries, dates and times.

ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$15000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX  2 ) XXXX XXXX XXXX -AMOUNT {$1800.00} -DATE OPENEDXX/XX/XXXX -ACCOUNT # XXXX  END OF ACCOUNTS : INQUIRIES : 1 ) XXXX XXXX- DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX  -DATE OPENED XXXX 3 ) XXXX XXXX XXXX -DATE OPENED XXXX 4 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 5 ) XX/XX/XXXX XX/XX/XXXX - DATE OPENEDXX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 7 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 8 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 9 ) XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX 10 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX12 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 13 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 14 ) XXXX - DATE OPENED XX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 16 ) XXXX XXXX XXXX XXXX - DATE OPNED XX/XX/XXXX 17 ) XXXX XXXX   XX/XX/XXXX 18 ) XXXX - DATE OPENED XX/XX/XXXX 19 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 20 ) XXXX   XXXX - DATE OPED XX/XX/XXXX
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

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

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) : # XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. states I have right to privacy.

15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is suing me for a truck that I wouldn't take from the dealer due to being wrong vehicle. Never took truck and Dealer wouldn't give me right truck, wrote up wrong vehicle. The Dealer wouldn't make it right and I told XXXX XXXX not to pay for vehicle. 
Told them the story, but they paid dealer anyway knowing I didn't have it and For some reason, they reported me being paid on time in XX/XX/XXXXand XX/XX/XXXX, but payment according to XXXX XXXX wasn't due until XX/XX/XXXX. so for 2 months they reported me being paid on time which I never paid a dime and then they said they repo 'd truck from XXXX XXXX , la . with 0 miles on truck.. Now I'm being sued. In XX/XX/XXXX I purchased a truck from another dealer and I was under the impression that XXXX XXXX was the one financing truck, But found out after I signed contract, that XXXX XXXX is. Now, XXXX and XXXX   has deleted That XXXX XXXX report but Experian will not They say it is accurate. 
How is this even possible? I have plenty of documents to show everything that transpired. Not to mention that XXXX XXXX lowered the note on the XX/XX/XXXX truck 3 times on their own accord. There never was insurance on vehicle, was repo 'd from another city and never paid a dime but being reported paid 2 times in XX/XX/XXXX, now being sued, but they finance me a new truck in XX/XX/XXXX. Really?? Have plenty documents to counter XXXX XXXX  and experian
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting negligence in reporting and investigations of disputes for all 3 bureaus. 
I have written Experian, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 in regards to verifying information that is being reported for public records and accounts included in this record. These accounts and public records have yet to be even placed in dispute status. 

Instead of receiving updates of disputing and reporting errors, I continuously received a mass amount of accusations of credit repair letters. This is unacceptable. This negligence is ground for deletions of these items. 

After XX/XX/2023, Experian finally launched 1 investigation out of 3 times requested, and verified information as correct and verified. I do not agree with such results as Experian is in lawsuits for not verifying accounts and accurately conducting investigations. No information was provided as far as method of verification and information on who verified this information to the credit bureaus. 

I demand that this inaccurate information be deleted from my credit report. I have been more than generous with reporting times and investigation periods. 

The screenshots of accounts below are inaccurately reporting inconsistencies across bureaus. Under Section 623 ( a ) of the FCRA, this act prohibits a person from furnishing inaccurate information to a credit reporting agency. EVERY SINGLE ACCOUNT showing has inconsistencies on their last date of activity. This is a very clear inconsistency that has yet to be verified. 

These bureaus have blatantly ignored my request. This inaccurate information is hurting my credit. It is well beyond the 30 day investigation period allowed, and I have been ignored. 

These accounts and public record should be deleted as soon as possible. Please mail me an updated report showing these changes.
Product: Mortgage

I have the monthly payment of XXXX + XXXX going to principal only. This is set up on a military allotment and has been for some time. I have attached the pay statements that show the money leaving my pay each month for the last several months. When XXXX/XXXX   went bankrupt and Shellpoint took the mortgage in XXXX I attempted to change the allotment code to Shellpoint 's code but not a single person out of approxiamately 15 people that I spoke with knew what I was talking about. My latest mortgage statement reflects that I have delinquent payments that are keeping me from buying a home. I have spoken with numerous people over the course of 13 days and never accomplished anything. I was told that I would be called back and never received a call. I have attempted to provide the trace numbers for the payments but Shellpoint said they couldn't do anything with them. XXXX XXXX XXXX XXXX can not pull the money back once it has gone to the corporation it was allotted to, it must be returned by the company. At this point none of the monies have been returned and have not been paid to my account either. I paid above and beyond to get my account current to preclude any further delay from being able to purchase the house I'm trying to get. I have had to explain this situation to every single person I've spoken with because I get a different person each time. Even the ones that seemed thart they might actually be trying to help failed to obtain results. As of XXXX XX/XX/2020, I still have not gotten any resolve nor proof that my credit reporting has been corrected. My prposed lender simply asked for a letter that stated that it would vbe reported that I have 0 x30, 0 x60 & 0 x90 days late payments. XXXX in the credit department stated that  she submitted this request on the XXXX of XXXX and when I called today I was told that there was no way to verify this because the customer service representative did not know when credit was reported. I requested XXXX and was told that " I must not have spoken with her because the credit department doesn't take calls ''. A supervisor was to review my file and call me back and a call was never received. Needless to say I've stopped my allottment and will no longer utilize the service that the military provides me because of the incompetance of shellpoint to correctly apply said monies. I'm currently out {$2100.00} that should have went to my account which has a principal balance of less than {$16000.00}. Today 's customer service representative also stated that I had been late 2 times in the last 12 months. As can be seen by my retirement pay statements that is not the case. These payments are made on the XXXX of every month. Please help me get this resolved before I get a mortgage fraud investigation started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX comenity bank, almost 2 months ago and they have not responded to the letter that I sent. I asked them to verify how they got the information that they are reporting on my credit report. So what they did was try and update it on my credit report as closed XXXX XXXX but listed a payment XX/XX/XXXX XXXX. How can a payment be made on a closed account. Plus if this account is closed and so called listed under bankruptcy how are you all still updating this account. You just updated XX/XX/2021. However, I am still waiting on my letter on how they even got any information to list on my report. I have contacted XXXX Pacer and also the courts. Which they have sent letters that they did not report this to your company. And if you got this from XXXX there records were wrong and they have removed this from there recoreds also. I will attach letters.
Product: Credit card or prepaid card

I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from NAVY FEDERAL CREDIT UNION for the interest I have earned, as a result of NAVY FEDERAL CREDIT UNION trading my securities on the exchange. This has been done without my knowledge and constitutes that NAVY FEDERAL CREDIT UNION trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub.

L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax explaining that I was sending this identity theft because someone was attempting to open accounts in my name they did nothing but continue to report the same information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds with XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Basically, they call Monday through Friday ( anywhere from once to ten times daily ) from a multitude of deceptive phone numbers to harass me about credit card debt. They have been doing this for weeks, if not months. Today ( XX/XX/2019 ) I responded to their call ( around XXXX PST ) and expressed to the gentleman I spoke with that I was not to be called again, as their calls are extraneous and becoming harassment. 

I then received a phone call at XXXX XXXX, not even three hours later, from a different phone number but the same company, Sunrise Credit Services. This time it was a woman and she tried to do the same exact thing as the gentleman before. I got her name and her information, and proceeded to tell her that I will be filing a lawsuit since they have ignored my requests to stop calling. 

Disgusting business practice, these people should be behind bars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy. 
Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of XX/XX/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