23daVinci/CFPB_Complaints huggingface dataset:
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 Equifax 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 : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 reasons : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years. 
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 XXXX
Product: Credit reporting or other personal consumer reports

I am frustrated and it's been days, XXXX, even weeks since this situation has taken over my mental health. I would want to get myself diagnosed by a therapist but I can not afford them due to the lack of my financial score. The company has reported information on my report that are not verified or checked and I am suffering for such consequences.
Product: Debt collection

IC System Inc ( on behalf of XXXX XXXX ) posted a derogatory collection notice on my credit report in the amount of {$59.00}. No one has tried to contact me about this previously and I have no accounts with either IC System or XXXX XXXX, so this fraudulent claim must be removed immediately.
Product: Credit card or prepaid card

I have a Credit card with Capital One CC. I charged something for some one else, and sent in his check to pay the bill. Capital One has now frozen my credit card, and kept over {$2200.00} in cash rewards. They called the issuer of the check, who confirmed that he gave me the check, but they still wont unfreeze my card or give me back my rewards cash
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit card

On XX/XX/XXXX I disputed the charges on this card as fraud and identity theft.I have been in XXXX  since XX/XX/XXXX and there is no way I could have made these charges from XXXX. I sent them a notorized affidavit for fraud and identity theft on XX/XX/XXXX. They replied that they couldn't do anything without a Police report. I explained to them that I could not file a report while in XXXX. Their last response was that their investigation found no evidence of fraud, even though I sent them a copy of my XXXX  ID Card. The Credit card account number is XXXX.
Product: Consumer Loan

On XXXX XXXX i purchased a leased suv from XXXX. After going over contract discovered down payment amounts i never agreed to within XXXX mins i asked for refund but was refused. After looking at numerous vehicles from XXXX different stores i finally decided on a XXXX. By XXXX the following day i was broke down on the roadside after working a XXXX hr shift.Called to get help and was told i had to pay to get car towed. After confronting manager i asked gor refind again still within my XXXX hrs and the store manager refused .After i threatened to call news station i was put into XXXX. And you guessed it XXXX weeks later this car breaks down i need help i was even still forced to make a car payment after only having the car XXXX weeks
Product: Credit reporting or other personal consumer reports

On the XX/XX/2023 marked for the initial grievance dispatch, I communicated with Equifax through certified dispatch, revealing my predicament as a victim of identity theft. As of the present submission date of this grievance, the institution persists in the dissemination of data birthed from the aforementioned identity theft. Under the directive of Section 605B, titled Block of Information Resulting From Identity Theft, it is mandated that consumer reporting entities inform the providers of information, inclusive of fiscal institutions, that the data in question may stem from identity theft, accompanied by an official report of identity theft. I furnished them with FTC report identifiers XXXX, in addition to a requested blockage. Following such notification, Section 623 ( a ) ( 6 ) obligates the providers to cease the distribution of any data within a consumers file that the consumer flags as born of identity theft, this cessation to occur no later than 4 business days subsequent to the receipt of the notice by said agency ; this includes ( 1 ) verifiable evidence of the consumers identity, ( 2 ) a duplicate of the identity theft report, ( 3 ) the consumers identification of the disputed information, and ( 4 ) a declaration from the consumer disavowing any association with the information in question. I have satisfied all four stipulations, and these documents will accompany my complaint. At this juncture, the agency has neglected a stipulated obligation of the FCRA 15 U.S. Code 1681c2, which is to block the dissemination of data within my file that I have marked as resultant from identity theft, within a timeframe not exceeding 4 business days following the agencys receipt of such notification. This constitutes a legal infringement, rendering the agency civilly accountable to me for deliberate non-compliance and any resultant damages incurred by me as delineated under 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on

Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX a collection letter for a debt that she is not aware of. This was first letter but it claims that it tried to contact XXXX previously. This is a scam.
Product: Debt collection

I was garnished which I am not disputing Allied Collections garnished me from both of my jobs they was paid in full on XX/XX/XXXX of 2024 and when I contacted them the office manager stated it was nothing she could do and to contact the XXXX which I did and that was no help due to they said the collections agency is the ones who need to release the account. I have been calling almost daily to have this resolved XXXX manger stated that I would have my money returned by the XXXX of XXXX which was the XXXX lie she has told I just want my money back please help me. 

Allied Collections Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Money transfer, virtual currency, or money service

I send $1000.00 on 02/10/2023 with

InterCambio express.

InterCInterCambio express says that the money appears received but my sister has not received the money in XXXX. 

XXXX is the place where the transaction would arrive. To today XXXX has not received the order to deliver the money. 

This is the first time having issues with InterCambio express to send money to Colombia. 

Translate to XXXX XXXX XXXX XXXX XXXX  $1000.00 XXXX  10/02/2023

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumers reporting agencies are in violation. According to 15 USC-1681i-Experian, XXXX, and XXXX have 30 days to investigate and sent me these letters. And they also didn't even record the current status of the disputed information in which is another violation. I have all the evidence attatched below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card with XXXX/XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX and XXXX/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX   are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

On XX/XX/, I used my card to make 2 online purchases, pay for a XXXX XXXX appointment that I have paid on multiple occasions, grocery purchase and tried another online purchase. The last online purchase was declined and I received a text message to validate the transaction. I did with the code supposedly successfully. 
I was declined getting cash later that day. 
I attempted to call the fraud department and the call was cancelled stating a bank holiday. No 24 hr help was available. 
Over XXXX was available in the account and they froze my husbands card as well. 
The in-person transactions were in our local town.
Product: Money transfer, virtual currency, or money service

On the XXXX channel XXXX XXXX I got a comment saying that I have been selected by the channel for a give away. I was given instruction to move to XXXX  XXXX XXXXXXXX where then I was asked to provide information about where I live so they can shop the XXXX XXXX that I have as a giveaway and then a picture of myself and my phone number. Then I was asked to pay XXXX dollars for shipping fees through XXXX  in the app of bank of america  to XXXX registered under XXXX XXXX. Then they said if I don't pay additional XXXX $ to clear the fees then my prize will be canceled without the possibility of receiving back the XXXX dollars paid. That's when I knew it was a scam.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted
Product: Debt collection

I signed up for this dating service, XXXX XXXX on XXXX/XXXX/2012. The representative of this company did a bait and switch of their dating services. I specifically told the woman that I DO NOT want a blind dating service. She told me that I would be able to see a photo before hand. She also did not give me a copy of the contract until after the three day rights of recission expired. I also was an emotional wreck when I came into the office and signed it under duress. Afterwards, she told me that I can do a different plan to see the candidates but it would cost me an additional {$10000.00}. 
Now a collection company called Advanced Capital Solutions is hounding me for further payment. As far as I am concerned, they should issue me a full refund for the money that I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, XXXX, XXXX and experian has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7
Product: Credit reporting or other personal consumer reports

I noticed several inaccuracies and unauthorized inquiries on my credit report from multiple credit bureaus, which I believe violate the Fair Credit Reporting Act ( FCRA ). These include : Inaccurate Personal Information : Employment details, such as " XXXX XXXX '' and " XXXX XXXX, '' have been listed on my credit file without my authorization. I have no association with these employers. Additionally, my credit file contains outdated or irrelevant personal identifiers that need to be corrected. 

Unauthorized Inquiries : My credit report contains hard inquiries that I did not authorize, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX others. These inquiries are negatively impacting my credit score. 

Disputed Accounts : Several accounts listed on my credit report are inaccurate or unverifiable, including a XXXX XXXX collection account ( associated with XXXX XXXX ), a XXXX XXXX XXXX account, and a XXXXXXXX XXXX loan that was charged off. Despite my attempts to address these discrepancies directly with the credit bureaus, they remain unresolved. 

I have taken steps to dispute these inaccuracies by contacting the credit bureaus, sending formal dispute letters with supporting documentation, and requesting an investigation. However, these entities have either failed to respond appropriately or continued to report inaccurate information, which is a violation of FCRA Section XXXX ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 or other personal consumer reports

I contacted XXXX to ask for a complete accounting and record of payment. They said it was to old. The representative said unable to locate record. By FEDERAL LAW I SHOULD BE ABLE TO HAVE A FULL ACCOUNTING OF TRANSACTION. I have a 30 day XXXX late payment on all three credit bureau TRANSUNION, XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

I just recently looked at my report XXXX XXXX. 
I saw some hard inquiries that did not have permissible purpose.i also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And the I got XXXX XXXX XXXX XX/XX/XXXX These inquiries has no permissible purpose to be on my report.Delete these inquiries due to violation of 15 usc 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please see the list of the items below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following unauthorized accounts and inquiries from my credit report. I have been a victim of a data breach, which resulted in fraudulent activities linked to my personal information. Under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that you block and delete the accounts and inquiries detailed below. 
Fraudulent Accounts to Block and Delete : XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Amount : {$14000.00} XXXX. XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Amount : {$500.00} Fraudulent Inquiries to Block and Delete : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX A XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX