23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX XXXX I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the XXXX timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no clue how they got there. When I checked my credit report as usual, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. I'm really concerned about this, and I urge that the documents I've sent be thoroughly reviewed so I can finally stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

My account with 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 me 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 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 163
7 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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
Product: Debt collection

I am trying to verify the validity of an alleged debt. Every time I contact the debt collection agency they state they need more information to look into it. However, when XXXX  or the CFPB contacts them they're able to verify the debt with no issues. 

I want the debt collection agency to either send me validation of the debt or remove it from my credit report. I never received any notice that this item was being reported on my credit report. 

I sent a letter to Receivable Solutions LLC on XX/XX/2021 disputing a debt. I provided them with the amount, the original creditor, and a partial account number that I retrieved from my XXXX  credit report. Receivable Solutions LLC received the letter XX/XX/2021. They responded via a letter dated XX/XX/2021 requesting the " guarantor 's SSN or date of birth, guarantor 's address and telephone number, name of health care provider. '' I can not provide this information since I do not know what this is for. Additionally, I'm not obligated to provide this information. 

I disputed the debt with XXXX  on XX/XX/2021 and provided them with a copy of Receivable Solutions LLC 's letter stating they could not " identify the correct account. '' This dispute was not changed on XX/XX/2021 because Receivable Solutions " certified to Experian that the information is accurate. '' XX/XX/2021 I filed an initial complaint with CFPB ( XXXX ). Receivable Solutions LLC stated they were able to locate the account, but the account was " not credit reported by [ their ] company. '' And " the matter is considered closed in [ their ] office. '' However, this is not true. The matter was and currently is reported to XXXX. I submitted a comment to this effect. CFPB did nothing with this information. 

So I submitted another dispute to XXXX  on XX/XX/2021 with a copy of the CFPB complaint where Receivable Solutions LLC states that this matter is " not credit reported '' and requested it be removed from my credit report. On XX/XX/2021 XXXX  closed the dispute without removing the account because Receivable Solutions LLC " certified to XXXX  that the information is accurate '' despite the fact that they told the CFPB the item is " not credit reported. '' Receivable Solutions LLC is required to validate the debt upon notice of my dispute. They did not due so. They stated they couldn't locate the account. However, Receivable Solutions LLC certified the debt as accurate to XXXX  twice so far. They then lied to the CFPB and stated the debt was not " credit reported '' even though it was. Receivable Solutions LLC is very clearly a bad actor in the debt collection industry that will continue to violate Federal law until they are held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) XXXX days after XX/XX/XXXX ; or ( bb ) XXXX days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( XXXX ), if a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make XXXX or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( XXXX ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



In accordance with laws mentioned above " XXXX XXXX XXXX '' offered ballon payments and still is reporting this account as late.
Product: Credit reporting

I am trying to open a my social security account and I ca n't because of Experian. I was told by the Social Security administration that the accounts are handled by Experian. After doing some research I found out that if you have a security freeze or fraud alert on your file that you will not be able to open up an account. I really need to open the account so I can check my XXXX status. I never asked Experian to add a fraud alert on my file, they did it without my permission. Please help me rectify this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have several issues with Transunion but the most recent Im very hindered by. Transunion is reporting my credit card usage is up by 38 % and I am holding NO BALANCES my score dropped 50 points???? In 2 days??? Something is clearly wrong! They need to adjust and fix! Also they send me a link through XXXX XXXX for XXXX XXXX  and said I was approved for a XXXX  XXXX  XXXX  cluck the link and it would not affect my score it clearly has!!!!! I am working hard to fix all these incorrect issues in my credit and Transunion has been the only agency Thats difficult and still reporting wrong information! And dropping me 50 points in one day!
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX XXXX I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the 30-day timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.
Product: Credit card or prepaid card

OnXX/XX/XXXX I made a payment through XXXX XXXX for the amount of {$2600.00} to my TJX Rewards Credit Card. InXX/XX/XXXXmy TJX Credit Card was declined when I was trying to make a purchase. I called TJX Rewards Credit Card customer service onXX/XX/XXXXto inquire about that. When I spoke with a representative I was informed that payment was not received and ; therefore I made another payment of {$2800.00} that was the balance at that moment. That day I did not check my bank account because I was traveling. On XX/XX/XXXX when I returned, I called XXXX XXXX and I was informed that in fact payment ( {$2600.00} ) was sent and received by TJX. SinceXX/XX/XXXX I have sent proof of payment and also contacted TJX more than 15 times. I have spoken with supervisors who stated that payment was received and I will get a refund check. In XX/XX/XXXX I spoke with one of the supervisors who stated I will get credit within 2 weeks and when I called inXX/XX/XXXX another supervisor stated that a request to investigate claim has to be filed because he could not see any response to the claim. Up to today I have no received credit. Every time I have called, I have to speak with a different supervisor and all they say is that they have to make the report and I have to wait another 30 days for a response. It has been 5 months since I started this claim and I feel every month they just made an excuse and I have to wait another 30 days. Attached you will find copy of proof of tranfer from XXXX XXXX to TJX.

TJX Customer Service XXXX Fax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I accidentally made a charge against my personal XXXX card in XXXX. The charge should have been made against my corporate account. When I realized the error, I immediately paid off the account and asked XXXX to close my personal card. I made the request as my corporate and personal cards were very similar in appearance and I did not want to make the same mistake again. 

XXXX however, did not close the account in XXXX as I requested. They kept the account open and reported it as a late payment Experian in XXXX. On reviewing my account, I saw that Experian used a XXXX issue to downgrade my score in XX/XX/XXXX. 

I need to know why Experian and XXXX waited 5 years to act. This will remain as a negative on my credit for 7 years. Why was it not managed 5 years ago? Experian does not seem to have basic commonsense or the willingness to review issues that deeply impact consumers credit worthiness. They expend a lot of energy trying to sell additional credit card and loan services to me. 

I need this issue resolved. It clearly happened in XXXX. Both XXXX and Experian must revisit their decision to report it five years later. This should not be treated as a new event. This has seriously impacted my and my daughter 's credit.
Product: Credit card or prepaid card

I can not withdraw money from my account nor can I send money to friends. It started on XX/XX/2020. I get the error message " server error '' when I try to log into my account. Also when I try to withdraw money from the ATM I get the error code XXXX.
Product: Debt collection

I am constantly getting notices from PCB [ Professional claims bureau, Inc.XXXX XXXX XXXX XXXX NY XXXX ] for debts owed by my adult son. I have informed them several times that they have the wrong person in writing, by email and by phone and I am still receiving debt notices. Please contact me so I can take this further to stop there actions.
Product: Credit reporting or other personal consumer reports

Ed Finacial allowed community college of XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX staff to assault me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXX XXXX fraudulently has been going on for years for non credit courses being billed through XXXX XXXX grants. 

I was unemployed and Ed financial took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXXXXXX XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple discrepancies with the account from XXXX XXXX XXXX XXXX XXXX : 1. It is reported by both the original creditor, as well as the debt collection agency ( SUNRISECRED ) 2. There is a balance discrepancy. Debt collection agency is showing a balance of {$50.00}, while original creditor is showing {$210.00}.

3. The date opened has a discrepancy as well. On the debt collection agency 's report, it is showing a date of XX/XX/2022 for XXXX, but a date of XX/XX/2022 for XXXX.
Product: Vehicle loan or lease

Filing a claim to be reimbursed for any money owed to me overpaid or any payments I have made that wasnt applied properly, also any interest that could be incorrect.
Product: Money transfer, virtual currency, or money service

On X/XX/2017 I went to the online portal of Western Union to transfer {$500.00} from my XXXX checking account to an individual in XXXX XXXX who would collect the funds at an authorized Western Union Location. After I entered all of the data required to enable WU to make the funds available I received an acknowledgement from WU assuring me that the transaction was in fact being processed and that I would receive a code # for the recipient to collect the cash in " minutes '' as per the WU service promise on their site. 
As time passed and I did not get the pick-up code for the recipient and availed myself of the tracking tool provided by WU. The first track replied with the transaction was being processed, but it was take 30 minutes. When that time expired the next track returned that it would take two hours to enable the pick up in XXXX XXXX. I then called WU customer service and spoke with an agent who told me it would take as long as 6 hours to enable the transaction even though WU had taken the {$500.00} + {$49.00} in fees from my checking account. I asked to have the call escalated to a supervisor who finally disclosed that I was blocked from using WU services. I asked for a reason or cause as was told that was all I was going to learn. WU # XXXX
Product: Credit reporting or other personal consumer reports

Experian made me set up an account so that they could try to sell me product I didnt want before I could set up a credit freeze. The other two credit reporting companies did not do this.

Id like CFPB to make them stop this practice. And, CFPB should make them share the information so that if one establishes a credit freeze with one company it then applies to all three - like what happens with a fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against the three major credit bureaus ( XXXX, Experian, and XXXX ) for their failure to provide me with a history of disputes as requested in a letter dated XX/XX/2023. Despite my request for the information, the credit reporting agencies have refused to provide me with a history of disputes, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent a written request to all three major credit bureaus for a history of disputes, including any investigation results, that I have submitted to the credit reporting agencies in the past 36 months. However, instead of providing me with the requested information, the credit bureaus only sent me a copy of my credit report, which does not contain the requested information. 

I followed up with the credit bureaus to request the history of disputes again, but they have continued to refuse to provide me with the information. As a result, I believe that they are in violation of the FCRA, which requires credit reporting agencies to provide consumers with a free copy of their credit report and a history of disputes upon request. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against the three major credit bureaus for their failure to comply with the FCRA. I have attached a copy of my original request for a history of disputes, as well as any other relevant documentation that I have regarding this matter. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support this complaint. 

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

I send a reinvestigation letter to XXXX, XXXX, and Transunion pertaining XXXX  XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from XXXX, TransUnion, and XXXX was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from XXXX and Transunion. XXXX did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 .This 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.