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 EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
XXXX XXXX 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 XXXX disputing a late payment XXXX XXXX XXXX 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, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EQUIFAX 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

Experian Credit Reporting does not seem to be in alignment with XXXX and XXXX ; the information is always so different. Experian does numerous " soft inquiries '', many emails offering credit, etc. I do not think they are legit and should no longer do business or have business representing consumers. 

Experian reflects negative information on consumers like myself that is victimized by their notorious and inaccurate reporting that hurts a lot of consumers and it needs to stop! This company is releasing -- sharing consumer information to third parties. Something needs to be done with this. They are truly hurting millions of consumers that are minority and low to middle consumers. Everyday there is an email from them offering credit options. There are many people that are homeless, jobless -- and completely in miserable situations because of these credit reporting agencies like Experian. It has to stop! XXXX XXXX, minorities and low income -- like myself have been victimized by this company that has been existing for years and continue to victimize and control innocent and decent citizens. 

After many years researching, this company has put many homeless. I pray you will investigate, research and delete this company as being a part of a legitimate " American credit reporting Agency ''! 

XXXX sees and knows All things.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX / XX/XX/XXXX / XX/XX/2018 - DAY LATE XX/XX/XXXX XX/XX/2018 - 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern : You have been furnishing errors on my consumer report for months according to my reports. 15 USC 1681 ( a ) clearly specifies that a consumer report should exclude reports containing information solely as to transactions or experiences between the consumer and the person making the report. Attached is a copy of the account and the highlighted areas are showing the violations that have been posted on my report for some time now. 15 USC 1681s-2 gives you the right to furnish delinquent information such as a charge -off but not those transactions and experiences that came before it. 
( XXXX ) ( A ) In general A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnish the information, notify the agency of the date of delinquenc the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. With that being said, the information that is highlighted in the attachment is and has been a violation for over a year now. Please remove these violations
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXXXX/XX/XXXXl # XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
Product: Money transfer, virtual currency, or money service

PNC no longer allows linking to the XXXX app owned by XXXX. It's incredibly frustrating and makes it hard for folks to make donations, pay debts to peers, etc. PNC has done this with Acorns as well. Annoyed and disappointed consumer.
Product: Money transfer, virtual currency, or money service

I withdrew {$340.00} from coinbase on XX/XX/XXXX and have not received it. I have submitted a case to coinbase on XX/XX/XXXX and still have not heard anything
Product: Credit card

In XXXX of 2023 I made a payment with my checking account via XXXX XXXX XXXX XXXXXXXX. In XXXX I attempted to make a payment and I believed it went through and I continued to use my XXXX XXXX as a means of payment until XXXX. In XXXX I noticed that my balance was increasing from the {$300.00} owed to {$500.00} which I questioned which I was told that my payments were not made. When speaking to an associate I explained no communication was emailed or mailed to me stating that they would not allow me to use an ACH transfer using my bank. When attempting to pay the money owed the company says I owe the entire card balance which should not be the case, I have not used that card for 10 months as I reported fraud and my card lost but no card was reissued or account closure.
Product: Checking or savings account

Navy Federal have been charging overdraft fees and late fees for along time.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Noticed on date XX/XX/2023, withdrawal from personal checking account. I contacted institution to reported a claim with bank. XXXX XXXXXXXX XXXX XXXX LISTED UNDER XXXX  XXXX. showing 2 transactions one amount of {XXXX and another for XXXX  I did not authorize these credit cards. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. EXPERIAN Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX quiet hours XXXX, MD XXXX XXXX : XX/XX/1982 SSN : XXXX I recently received my consumer report and noticed violations that go against the FCRA. Your Agency has not supplied me with any Account Level Documentation that bears my written instructions which is a violation of [ 15 U.S.C 1681b ] ( a ) ( 2 ) Permissible purpose of consumer reports according to the Fair Credit Reporting Act. please complete a proper Reinvestigation of the disputed information below in accordance with [ 15 U.S.C 1681i ] ( a ) ] Procedure in case of disputed accuracy PLEASE REINVESTAGE THESE ACCOUNTS AND DELETE IF ACCOUNT LEVEL DOCUMENTATION CAN NOT PROVIDE : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT XXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports.

Please send me all Account level documentation and a copy of my updated Consumer report with the Deletions of these accounts XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX, {$3200.00} contacted the property, property management company, and debt collection which advised I need to reach out to the property management which I have no response and the property that is on my report has fraudulent charges and I have evidence of the correct information but the property no longer exist it has been bought out or went under bankruptcy but information was not provided to the debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OPENED XX/XX/2014 CLOSED BY XXXX XXXX STILL SHOWING PAST DUE AMOUNT
Product: Credit card

My account was closed without my authorization I have 3 AMEX Cards 1. XXXX XXXX XXXX XXXX  PAID 2. XXXX XXXX} Annual Fee PAID 3. XXXX XXXX I earned XXXX of points and all my points have been stolen
Product: Mortgage

I recently requested my 1098 year end statement since i didn't receive it in the regular mail and got an error when i tried to log on to obtain it and received an e-mail with the form but the e-mail was unsecured and the form had my full social security number. I sent another inquiry regarding why my whole social security number was on sent by unsecured e-mail but got a response that indicated that we sent you the 1098 form instead. They didn't seem to be concerned about sending a client 's whole unmasked social security number by regular e-mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting 'Late Payments '' on my consumer report. I've been writing them for months demanding them to completely remove these late payments. 
I know they're in violation of congress federal law '15 USC 1666B- Timing Of Payments ' and also " 15 USC 1681 S - 2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ''. 

LATE PAYMENT DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX also keep ignoring my disputes which I have evidence and tracking numbers as well. 
XXXX XXXX doesn't respond within the 30-Day period allowed by law. And when they do respond they completely stall me and ignore me. they tell me that i need to provide them with personal non public information such as my social security number in order for them to proceed with the dispute. 
WHERE IN THE LAW DOES IT STATES THAT I HAVE TO GIVE MY SOCIAL SECURITY NUMBER TO A FINANCIAL INSTITUTION LIKE XXXX XXXX 
XXXX  keep violation my rights as a consumer and also congress federal laws. 
because of XXXX XXXX inaccuracies on my consumer reports I'm getting denied and its affecting my life style, mode of living and my general reputation as a consumer. 
If they don't comply with federal laws or my requests and remove the late payments on my consumer report I'm going to take legal action and sue XXXX XXXX for damages done to me in the last few years. 
I have all the evidence needed to take down and completely expose XXXX XXXX XXXX  ilegal practices.
Product: Credit reporting or other personal consumer reports

I paid my XXXX payment on XX/XX/XXXX and got reported for 30 days past due in XXXX. American Express is now saying I missed XXXX 's payment when in XXXX I signed up for their relief program. I paid double in XXXX that satisfied XXXX and XXXX, however my payment in XXXX did not satisfy anything. Amex reported that I am 30 days late and now my score is down XXXX points.
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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( 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 recordsof 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 According to XXXX : XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates laws : 15 USC 1681i.15USC 1681S2 . 15 USC1681i5. 1681 USC1681EB : DELETE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX BANK XXXX CO {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Continental Financial Company to remove a deragotary on my credit and they refuse to do so. I have even files a review with the credit agencies to no luck. please remove asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Obtain receiving and reviewing my consumer report. I noticed inaccuracies in my report. This is a clear violation of 15 usc 1681 b which states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. For account # XXXX XXXX XXXX have this account late on XX/XX/XXXX until XX/XX/XXXX and Experian have this same account late from XX/XX/XXXX until XX/XX/XXXX this is the same account it is two different start dates of the late payments. Which make the information on my report inaccurate. This is not an attempt to verify no account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to National Credit Adjusters regarding an account they are reporting on my credit report wrongfully. I have asked the collection agency to verify this debt is valid. They did send me an alleged contract from the original creditor, however the information they sent me further verifies my reason for dispute. This account was opened fraudulently and does not belong to me. The social security number used is not mine. I am attaching proof of my actual ssn and proof of what the collection company verified inaccurately. As you can see from the attached documents, my ssn ends in XXXX, however the contract from the company ends in XXXX. Both the original creditor ( XXXX XXXX ) and the collection agency ( NCA ) failed to do proper and accurate research into this matter. This is unacceptable!!
Product: Credit card or prepaid card

I am submitting a PDF of my complaint because when I review my document, all the paragraphs have disappeared and it looks like a child wrote it.
Product: Debt collection

I received a XX/XX/XXXX letter from IC System, regarding a debt turned over to them by XXXX, noted as the original and current debtor. As both a current and former XXXX customer, I was unfamiliar with the account number listed on the letter. 

I then contacted XXXX customer service today, XX/XX/XXXX, and an online agent confirmed that a previously-closed account was showing a past due balance for equipment not returned ; however, further review of the account showed notation that the equipment was, in fact, previously received by XXXX in XXXX. There was no further statement by the representative why the amount due remained on the account, or why it was referred to collections only now. 

The representative indicated that the account would be noted, but was otherwise vague as to what would happen regarding my old account apart from reference to a " ticket. '' There was no indication how an account with no actual outstanding payments or obligations would go " live '' insofar as debt owed, and why that was not vetted before referral to a debt collector.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my Transunion credit report and XXXX hard inquiries on my XXXX that are fraudulent and a result of identity theft. I never authorized these hard inquiries or filled out any credit applications. These are a result of identity theft. I need Transunion to remove the following hard inquiries from my credit report immediately. XXXX XXXX XXXX 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. I need XXXX to remove the following hard inquiries from my credit report immediately. 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 XXXX for credit protection and monitoring from a government data breach. The problem is with EQUIFAX. XXXX has filed with them 3 times, and I called and filed and they continue to keep a fraudlent report and inquiries on my credit report ... and all this is after i filed a policy report and all other credit correction measures. Note : Both other credit agencies have removed them and the company that originally filed the report investigated and removed the claim as well. EQUIFAX is broken. Should not be a credit agency .... 

Inquiries : XXXX XXXX XXXX XXXX Account : XXXX Opened XX/XX/2019 Balance {$1000.00}
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus on multiple occasions regarding information on my credit report including my personal information. I am a XXXX and some of my fathers information is linking to my credit report. 

Subject : Dispute of Incorrect Information on Credit Report Credit Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute incorrect information on my credit report. According to my records, there are several inaccuracies in my personal information listed by your bureau. My correct details are as follows : Legal Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Employer : XXXX XXXX The incorrect information listed on my credit report is as follows : TransUnion Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ) Employer : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Employer : XXXXXXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

Please correct the above inaccuracies and send me a corrected copy of my credit report. Additionally, please confirm in writing that these corrections have been made. I have included copies of my driver 's license and a utility bill to verify my identity and current address. 

Thank you for your prompt attention to this matter. Please inform me once these changes have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Mortgage

ATTN : UNDERWRITING DEPT, I Applied for a CAMPER ( Mobile home ) XX/XX/year> and I Got Denied, and You Used My Credit Card for this Consumer Transaction. I have a right to my UNLIMITED CREDIT. It's Not A CREDIT TRANSACTION, this is False and Misleading. According to 15 USC 1602 ( i ) In any Consumer Transaction the actual NATURAL PERSON is the one Extending the Credit. Businesses Are Not People. Send me A Listing of ALL the FACTORS INVOLVED in 15 USC 1611 of this Consumer Transaction. According to the EQUAL CREDIT OPPORTUNITY ACT, You violated my rights to my UNLIMITED CREDIT and Discriminated against the Consumer.You Never Responded To My Certified letter about My Denial.