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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant XXXX laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for this account is inaccurate and unverifiable. My payment history shows no record of late payments, as I have consistently made my payments on time. 
Additionally, the credit report does not specify a date for this alleged late payment. This lack of clarity violates the accuracy standards required under the FCRA. 
High Balance Discrepancy : The high balance for this account is reported as {$3000.00}, which conflicts with the actual account details. 
Violation of FCRA : These inaccuracies violate my rights under the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information. 
15 U.S. Code 1681s-2 : Mandates furnishers of information to provide accurate data. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Requested Resolution : I request that Equifax : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information regarding the date and evidence of the alleged late payment. If no evidence can be provided, I demand that the inaccurate entry be removed from my credit file. 
Correct all discrepancies, including the high balance and payment history, to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX  ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications.

Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Social Security Number : [ XXXX ] Date of Birth : [ XX/XX/1984 Current Address : XXXX XXXX XXXX XXXX XXXX Georgia [ XXXX ] I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within 30 days of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Product: Checking or savings account

I closed my account with Wells Fargo and for some reason, its still showing up on my credit report. I would love to have this problem fixed. I made sure my account wasn't in negative and I actually closed my account over the phone so I'm not understanding the mishap here. Thank you, hope to hear from you soon.
Product: Credit card or prepaid card

I called Paypal earlier this year and explained that a credit card had been opened in my name which I did not apply for. They investigated and closed the account and I was not responsible for any charges. They could not give me the email address used to apply for the card but it was not my email address.
Product: Credit reporting or other personal consumer reports

I am Submitting a complaint to you regarding account number XXXX from XXXX XXXX XXXX, IN. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX ( Original Creditor:XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance OwedXXXX XXXX XXXX Balance Owed : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed navient that XXXX XXXX XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. Ambient told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the Navient. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through Navient, XXXX, XXXX and XXXX for reporting in correct information. I also reached out to XXXX and XXXX law to have the late payment disputed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card through PNC Bank, which was formerly BBVA Compass at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. BBVA COmpass said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure BBVA email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my XXXX credit report and still see the 30 day late. So, I submitted a dispute through XXXX, who left it the same post investigation. The bank is now PNC so not sure if they have all the records. I logged in today to the BBVA portal and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX {$110000.00}, XXXX XXXX {$14000.00}.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud onto their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( 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

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

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX XXXX : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : FEDLOAN SERVICING and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and XXXX. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for propose.
Product: Credit reporting or other personal consumer reports

Packages have been sent out via certified mail to the XXXX  main credit bureaus and all XXXX  packages were delivered. 
They contained FTC ( government agency ) identity theft report, police report, copies of my credit report, proof of identity and a copy of FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft. 

The XXXX credit bureaus have not removed and blocked the accounts even though it has been beyond XXXX business days, I have submitted all the proof that the accounts were due to identity theft including a sworn report by XXXX XXXX Police. The XXXX credit bureaus are violating my rights by not removing and blocking the accounts that were due to identity theft. I submitted all required documents, proof and information. 

The tracking numbers for all XXXX bureaus are : - XXXX XXXX - Equifax XXXX - XXXX XXXX
Product: Bank account or service

I made a payment on the online bill pay through Pnc bank. The payment was made weeks prior, but the payment was converted into a check for the business. On XXXX, I had a deposit come through the account. The deposit was processed after the check. This caused the checking account to fall negative. I was told the account fell XXXX dollar above the overdraft forgiveness. I was scolded, spoken down to and disrespected by the retail managers XXXX XXXX and XXXX. The refused to correct the problem that was a bank error. If the deposit was processed in timely manner the account would have never went negative.
Product: Credit card

The company XXXX American Express XXXX continued to call my cell phone as much as XXXX times a day, XXXX and XXXX included, regarding someone else 's account for months after I complained to them -- and they admitted -- that their issue was with another customer, not me. Repeated promises to stop the dunning calls were dishonored. No one at AE ever stopped the harrassment, even after many promises over months and multiple attempts to work with them.
Product: Credit reporting or other personal consumer reports

For my Experian XXXX XXXX to be updated with the latest XXXX XXXX which has been at a stand still for XXXX mths. They refuse to update their data base with the correct scores which is effecting my credit. Notified them that I am victim of XXXX  and identity theft and have a police report to show proof. For months I have been requesting for them to remove a frauduant last name from my report and update my score they refuse even with inquiries coming off they still refuse to update my score. Also I checked my XXXX and XXXX scores to see if they matched what experian has and they do not match. They also have my employment info, all previous addresses, and XXXX  info I never gave them written permission to list any of this information. This is severely affecting me to due to experian not following the law.
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX, I requested a modification of my mortgage loan. Bank of America sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XXXX XXXX XXXX XXXX Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XXXX XXXX XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

Bank Of America, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX payments. Bank Of America failed to send XXXX XXXX XXXX, but sent XXXX  from XXXX
Product: Debt collection

On XX/XX/XXXX, I paid off a debt from XXXX  XXXX Collection company XXXX XXXX XXXXPinnacle Credit Services. Paid by money order {$320.00} by certified mail, received from XXXX  letter stating paid in full, everything fine, On XX/XX/XXXX, I received a letter this time from XXXX XXXX/Pinnacle Credit Services stating I owe the amount but if I pay half. That constitutes Mail Fraud under 18 USC 940 ( section 1341 ) I made all copies of all my documents back from XXXX including certified letter, and money order to XXXX. In addition, I contacted the original collections, XXXX who stated " everything was paid off years ago, creditor notified ''. This is a scam and needs to be investigated. How many people pay off their debts, forget about it than get a letter saying if you pay half? This is deception in it's purest form and constitutes the legal basis of fraud. This agency and the FTC needs to investigate immediately and shut these operations down. I have these companies ( 14 ) days to correct their activities otherwise I will file in a California Superior Court. In addition, will file a complaint with the California Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

Someone fraudulently asked for a credit check to open a new account with XXXX XXXX, apparently to open a new line of credit under my name ( identity theft ). This person has also locked me out of Experian, changed the email, password and phone number, before I could lock my credit there. 

Also, i can not supply documentation for this because there are no documents. I can not prove I did not do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware claims that I owe them {$2200.00}. After two letters sent by me, Barclays Bank failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )
Product: Student loan

I thought the problem was resolved but it seems as if I am having the same problem. For your review and consideration I am enclosing a letter from Fed Loan servicing dated XX/XX/XXXX stating that my monthly payment was recalculated at {$300.00}. I am also attaching a letter dated XX/XX/XXXX that sates my monthly payment has been recalculated to {$440.00}. This amount is very close if not identical to what it was when I contacted your office originally. 

I would respectfully stress that I have not submitted any additional documentation to fed loan servicing regarding my income since XX/XX/XXXX. They are using the same exact documentation they had when they issued the letter on XX/XX/XXXX to come up with this amount. I have not been successful in getting a satisfactory explanation at how they arrived at this figure. 

I would be grateful for your assistance in getting the amount back to the {$300.00} that it was previously. 

Respectfully, XXXX XXXX