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

Subject : Addressing Late Payments and Violation of Consumer Credit Law Dear [ Recipient 's Name ], I hope this letter finds you well. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I am writing to bring to your attention a matter regarding late payments on my account ( Account number : XXXX ) with XXXX XXXX. According to my understanding of the United States Code Law, specifically 15 U.S. Code 1605, there should not be any late payments if a finance charge was involved. The finance charge is defined as the sum of all charges related to a consumer credit transaction. 

The law specifies that the finance charge includes various charges such as interest, service or carrying charges, loan fees, investigation fees, and more. In essence, the finance charge covers all fees directly or indirectly payable by the person to whom credit is extended. 

Considering this, I believe that the late payments on my account, dated XX/XX/XXXX and XX/XX/XXXX, should not have occurred if a finance charge was involved. As per 15 USC 1605 ( a ), I request that these late payments be removed from my consumer report. 

As a consumer, I am aware that accounts mentioned in this letter must be updated to " paid as agreed '' immediately under the law. Failure to do so may lead me to seek monetary damages for the violation of my rights under 15 USC 1605 ( a ) in small claims court in my city and state. I am prepared to take legal action under 15 USC 1681n civil liability. 

Furthermore, I have already submitted this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I appreciate your prompt attention to this matter and expect the necessary actions to be taken promptly. 

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

The following letter was mailed to XXXX on XXXX XX/XX/XXXX, no response has been received and accounts remain on credit report : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir/Madam, I am writing to inquire about a discrepancy that I have noticed on my credit report concerning an account with XXXX XXXX. According to my credit report, XXXX XXXX is reporting an account in collections, despite the fact that the account has never been in collections. 

The account in question is under the account number XXXX, which was active in XXXX. I closed the account when I changed XXXX XXXX and promptly paid the full balance owed. Upon attempting to reactivate my phone, I discovered that XXXX had placed a lock on the device due to a supposed final bill on the account. I immediately visited a XXXX location and settled the outstanding balance as instructed by a XXXX representative. At no point was I informed that the account would be sent to collections, nor did I make any payments to a collection agency. 

It is concerning to me that despite paying the final bill in full and closing the account, it is now showing on my credit report as a closed account in collections for the same month I made the payment. Furthermore, there is only XXXX term with no payment history associated with this account, which does not accurately reflect the situation. 

Therefore, I am formally requesting that this discrepancy be rectified immediately. I kindly ask that XXXX removes the account from XXXX credit bureau reports where this inaccuracy has been reported. I trust that you will take swift action to resolve this matter and prevent any further impact on my credit score. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of this discrepancy at your earliest convenience. 

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

I paid off Care Credit/Synchrony Bank in late XXXX early XXXX, I can't find the proof and my bank is assisting me with this. I am buying a house and when the credit was ran in XXXX this was not on the report. They ran again and now it is on the report even though I paid it off. I need a letter stating that there is a XXXX balance so I can buy a house so I paid it again on XX/XX/XXXX. It came out off my bank on XX/XX/XXXX, Synchrony will not issue a letter for 21 days even though there is a XXXX balance, I should not have to wait for 21 days when the money is already out of my bank.
Product: Credit card

Discover Card customer since 1995, I closed account in XXXX 2015 and was reported late on Bureau in XXXX XXXX dropped Credit Score from XXXX to XXXX. Only used car for XXXX and as agreed upon by Discover Card was never paid 30 days late. {$50.00} payment made religiously through XXXX Bill Pay. Discover changed payment DUE DATE from the XXXX of each month to the XXXX ironic as my payment was received by Discover anywhere between the XXXX and XXXX of the month because I get paid twice a month and paid the {$50.00} payment again, through bill pay. Discover knowingly changed the date simply for the Purpose of PREDATORY FEEING! The account never had a balance higher than {$500.00} and given the {$50.00} payment was 10 % or greater ( based on Balance ) Discover Representative, XXXX XXXX offered to refund XXXX {$35.00} for a total of {$100.00} ( again Fee was charge because payment was received 2 days after the new XXXX due date and before my original due date of the XXXX. These XXXX fees changed the minimum payment and caused the wrongful posting of the account 30 days, Discovered Representative XXXX XXXX, gain would not reage my account but offered to refund fees. He also acknowledged that Discover never reached out to me other than through the normal statement. I simply want my account reaged and to remove the only blemish on my otherwise pristine Credit Rating. This was caused by the DUE DATE CHANGE initiated by Discover in an effort to simply generate fee income.
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 confidentiality under 15 U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an 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, which Antendates 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app block Inc. due to inadequate customer service and unfair practices, which violate the customer consumer financial protection act ( CFPA ) specifically cash app failed to take timely ineffective measures to present and address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently had suspected fraud on my SSN and noticed there are a bunch of inquiries on my credit report that are not authorized or known to me. The suspected stolen identity has already been reporting to the government including IRS and others. As per the Fair Reporting Act, please remove the following inquiries from my credit report : - XXXX XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau information regarding my score is incorrect and not updated. I have submitted complaints and wrote letters regarding old accounts and addresses that should not be on my credit report due to the statue of limitation. Instead of correcting this, the organizing or perhaps the credit bureau have just put a more recent date to validated negative credit to stay on my account, but still should not lower my credit score by much, although it does. Moreover, will my payments on credit loans/cards are not updated thereby leaving my credit score low and credit usage high. Moreover, when I requested addresses to be removed I am refused adamantly and does not clearly give me any solutions to have it removed. I then search why and addresses associated with loans that are closed or banks that I no longer have access to to change or close to take an address off or the accounts are closed. I do not understand why this information remains on my credit report. Mainly, with an account that has surpassed the Statue of Limitation continues to remain on my report to keep my credit negative? I am asking this to be investigated. I did write in 2021 to CFPB for help and still the Credit Bureaus ignores and seemingly emphasis to keep my reports and will not update or remove negative information to increase my score. I have tried and am being accountable as best I can to do better and will do. However, if the Bureaus are allowed to ignore the law and keep individuals from having their credit better to do better. I asking for help, please. Also, after I have lifted my freeze from the Equifax as with the others I am finding out the freeze is not lifted, but will not give a reason why, just that if anyone wants to check my credit they have to call? Why will that happen, do I have the right to lift the freeze? And why are they requiring the potential loan providers to call when I lifted the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency only replies with account verified. 

XXXX  has removed XXXX XXXX Account history due to an agreement honored by XXXX XXXX and myself. Their reporting date is XXXX of each of month. Experian is still reporting this inaccuracy that they are in fact not getting from the Original Creditor. I confirmed the honor of my agreement with customer service representative XXXX by calling ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX at XXXX. The account is listed as XXXX and if any Agency has this XXXX XXXX account listed as an entirely different account number then just be aware that I only have one XXXX XXXX account and it should reflect any delinquencies or derogatory information at all. 
Experian is also still reporting derogatory marks on my credit report for XXXX/XXXX XXXX : XXXX, which was deleted by XXXX  & XXXX  after a satisfied agreement with creditor/inhouse collections back in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 4 disputes about an bankruptcy filed in error on my report. Transunion each times has come back stating the information is correct when it's not. My chapter XXXX bankruptcy was converted to a chapter XXXX in XX/XX/XXXX. My lawyer accidently filed it has a new case in error. The bankruptcy court couldn't do away with the case number so they filed it as a voluntary dismissal and converted my chapter XXXX how it was supposed to be originally. Now I have 2 bankruptcies on my report and 1 shouldn't be there. I have spoken with Transunion supervisors multiple times with no resolution. My lawyer wrote a letter stating the error that was made and the case number XXXX XXXX  should be removed. However, transunion states this must come from the court. Transunion pulls the information from a 3rd party and a website not the actual court. Transunion refuses to call the court to verify the error. The court states they don't report to the credit bearou so they can't have it removed either. I have submitted sufficient documentation from my lawyer and Transunion refuses to remove the bankruptcy filed in error. My last contact with Transunion and the court was today. XXXX  has no issues removing this from my report so I don't understand what the problem is with Transunion. Transunions method of verification is also lacking in sufficiency. They expect me to get a letter from the court which the court will not five me. It is Transunions responsibility to sufficiently investigate the dispute not mine. They should be making contact with the court to verify the error but refuse to do so. My credit should not take an additional hit because of an error they refuse to remove. Voluntary dismissal is also inaccurate because I didn't request it be filed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unrecognized inquires on my credit report, I would like the following inquiries to be removed. 


XXXX XXXX  XXXX, personal XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DBA XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX and public record XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in two certified letters to all three credit bureaus and the issue still has not been resolved as of this day. I also have received in the mail a data breach. I also send a copy of a police report when my personal information and purse were stolen.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for XXXX XXXX, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of outdated or incorrect address information from my credit report with Experian, XXXX and XXXX. I recently reviewed my credit reports and found that some addresses listed are no longer valid or accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Contacted NetCredit XXXX at XXXX and was placed on hold for 20 minutes and disconnected. 
XX/XX/2021 sent an email at XXXX and received an No Reply response.
Product: Checking or savings account

**Subject : ** Dispute Request for Refund of {$340.00} I am writing to formally dispute a transaction and request a refund of {$340.00} for an item I purchased via XXXX XXXX XX/XX/year>. The item was shipped from XXXX, and I was informed by the seller that there would be delays due to the holidays. After waiting the recommended XXXX days, and maintaining consistent communication with the seller, the item still had not arrived. I contacted the seller again, who confirmed that the item had not been able to be located, and an investigation with customs had to be open. The seller agreed to issue a refund but was unable to do so directly due to XXXX 's XXXX refund policy via the web. Consequently, I was advised by XXXX to dispute the charge with my bank to be able to obtain my refund. I submitted all supporting documentation to Discover Bank, including the sellers willingness to refund the amount. However, my refund request has been delayed/ denied and I have not yet received the funds. I request that Discover Bank promptly issue my refund of {$340.00}. I have provided all necessary documentation and evidence to support my claim. I appreciate your prompt attention to this matter and hope it can be resolved quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? 

This complaint is in regards to the XXXX data breach, but specifically with the way that credit freezes are being handled. 

Step 2 : What type of problem are you having? 

Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is. 

Step 3 : What happened? 

All but XXXX are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation. 

Step 4 : What company is this complaint about? 

All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.
Product: Consumer Loan

I purchase a vehicle from XXXX ( aka BridgeCrest ) in XXXX, and have had nothing but trouble form them every sense. They charged me with late fees when its not my time of schedule payment, always calling 5-6 times at all hours of the day harassing the XXXX out of me, and also not reporting to all XXXX of the credit agencies when payments are made on time. I had a company look into my credit system and found were they are lying and not been truthful of the matter that I am paying my car note. Moreover, I have keep all of my receipts and even looked back on payments made ; and they are not giving me credit due. When I looked at my statements online, I noticed dates that I paid are not been included and they again overcharged on late payment fees when it was n't even my schedule payment time. This is the WORST CAR DEALSHIP EVER! Their moto is a lie when, it speaks of helping those with not so good of credit. I have asked repeatedly on numerous occasion to have my payments modify and still I always get excuses and no one is willing to help lower my payments. I have been advised to look into XXXX XXXX who can have them stopping calling me everyday, give me credit were credit is due, stop charging late fees when its not my time to pay my schedule payments and to report to credit agencies when I am making my payments each month. Plenty of people that I have spoke to say how awful they are, calling with the harassment many times in one day. I made my last payment on XXXX/XXXX/16, Saturday and they called me the next day, and the next day, and the next day. That was unacceptable, and no reason to have called my phone that many times, when I had paid. My schedule payments is every two weeks and if I miss a week, I 'll pay the week after, which is still technically every other week. If I could find a way to get out of this loan, I would. They are overcharging me, cause my balance I know should be down and with them they keep adding it up. NOT COOL AT ALL! I am dissatisfied with BridgeCrest formerly known as XXXX. I will be taking other measures from referral resources to have them stop frustrating, stressing me out, cause it 's ridiculous how annoying this company is. STOP HARASSING ME WHEN I MAKE MY PAYMENTS EVERY OTHER WEEK!!!