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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian 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  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am writing to follow up on my previous complaint regarding the negative entries on my credit report that I requested to be removed. I appreciate your response, but I must express my disappointment with your statement that these entries were validated and updated. I firmly believe that these are unverified items, and I have no recollection of these negative accounts.
Product: Checking or savings account

Someone hacked Capital One and they wont release anyones paychecks to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im just trying to get my money. Ive made many attempts to contact this company with no avail. I need instructions on what I need to do. The introductions on the site says if you still have funds left to attach another debit card & cash out the funds, the funds were previously cashed out but the funds never reached my account. That card was cancelled & I have since replaced that card. I just need to know what I have to do to get my money.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I purchased three tickets for entry to an event in XXXX XXXX at XXXX XXXX XXXX  through XXXX XXXX.I purchased tickets at a total of XXXX and arrived on time to event and was denied entry do to event organizers and venue overselling tickets online and at the door. Front door personnel and security started yelling for people to request refunds from bank and to leave as they were at capacity and not letting anyone else in venue. I have this on recording in my phone. So I paid for entry to event and was denied due to organizers fault and asked PayPal my credit card company to please dispute and refund me and they refused stating only that the event was Non refundable even though service and entry where denied for no reason whatsoever or fault of my own and did not allow me to provide video evidence of club advising people to request refunds from their banks. No effort to resolve this matters or protect me as a customer PayPal just closed dispute and repeatedly stated it was non refundable transaction even though services and entry where denied and my money just stolen with nothing in return.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting or other personal consumer reports

ive sent multiple letters to XXXX, XXXX, & Equifax None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in life
Product: Bank account or service

I have been in litigation with Barclays Credit Card for fraud revolving around false representation of Account Protection.I had payed for years into Account Protection and when I lost my job they did not pay as stated. They filed a judgement against .. 
2013 .It was suppose to be dismissed in the court and it is still active on my credit report
Product: Credit card or prepaid card

Creditor : CITI Add : XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX Acct # XXXX Creditor never communicated with us about our options and no statement was mailed out till it was too late. Credit Card had charges on it that were not ours. We have trouble speaking XXXX  and our native tongue is XXXX. Every time we called them, after a few minutes the representative would get upset and disconnect the calls because they could not understand our broken XXXX. We tried to explain that these charges were not ours ... but they would not listen. Now, this account has been charged off and is affecting our ability to refinance our home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. I have personally contacted XXXX, XXXX many times over a XXXX period and have yet to receive any supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX  Account type Note Loan Payment summary 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  - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$1600.00} Monthly payment - Last payment date XXXX XXXX XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Debt collection

I contacted Jefferson Capital systems initially XXXX XXXX at XXXX XXXX  in a phone call thay was 21 minutes and 17 seconds. 

I explained to then that thet are in possession of a false debt sent to them by XXXX XXXX XXXX and any attempt to collect on the fake debt would be in violation of the FDCPA fair debt collection practices act as the creditor had violated the FCRA. 

They told me they opened a dispute, but refused to provide me with a l case or reference number when I asked many times. 

They refused to provide me with any documentation when asked. 

They refused to allow my to submit evidence unless I mailed it to them. 

The very best morning they responded to XXXX credit bureau stating that the debt is nine and they closed the disoite with the credit bureau despite me telling then the entire following : Regarding Closed XXXX  Account # XXXX I am contacting you today due to my XXXX  account having had been closed due to XXXX FCRA violations for reporting inaccurate information and failure to correct errors, breach of contract as they failed to fulfill their obligations under the card agreement, and negligence & fraud as their actions caused me financial harm and damage, and FDCPA as they sent my false debt to a collection agency whom engaged in unfair or deceptive collection practices listed as : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX Any payments on this specific account should be made payable to Jefferson Capital Systems , LLC and mailed to the following address : Jefferson Capital Systems , LLC XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX My balance with XXXX  before they closed my account was {$2400.00} I provided XXXX  XXXX pieces of evidence with my dispute and thet denied it because the merchant responded with 3-4 pages which only consisted of a billing statement. 

I however provided statements from many of the merchants own employees confirming the charges were false and made dishonestly with bad business practices and fraud. 

I was paying for over 8 months for a XXXX XXXX cell phone plan but I never got the correct service in which I was paying for. 

XXXX refused to investigate, refused to transfer me to managment, and constantly refused to work with me. 

XXXX said there is no email nor other department and only a general email and a general phone number for XXXX. 

XXXX blamed vida for the disoite decision and stated it ls their fault as they make the decisions for XXXX  disputes. 

As a result, my credit score dropped from XXXX down to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Pre-qualification From Wellsfargo Auto Finance I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company " XXXX ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because WellsFargo is one of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( Wells Fargo Auto Finance ). 

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

I discovered unauthorized inquired in which in I never applied. According to the Fair Credit Reporting ACT, legally these unverified and unauthorized items Must be removed immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XXXX XXXX  XX/XX/XXXX XX/XX/XXXX FACTUAL DATA XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/2024, I received a notification that my credit was checked by XXXXXXXX XXXX  and that it was a hard inquiry. I didn't authorize anymore to apply for credit in my name. i called XXXX XXXX  they stated they would not allow anything to be approved in my name without authorizing it with me first. i called Trans union and did a dispute but hey claimed it was verified and did I speak with the bank. i told trans union that by law this is my consumer profile, and they can not have unauthorized/unverified information on my credit report that it needs to be DELETED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was stolen and use to open XXXX  XXXX auto FN account. i contact the credit company and XXXX  XXXX and let each know but the account is still on my credit
Product: Debt collection

Received another text from RGS financial.com today again XXXX. Just blanket statement of debt collection. 

Im afraid to open their link requires my agreements to open the link. I do not want to be hacked or receive spam or other issues from RGS financial.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$1600.00} ACCOUNT number XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPEN XXXX XXXX ( XXXX ) XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$1700.00} DATE OPEN XXXX XXXX These 2 accounts do not belong to me please remove them from my credit report. And also please send me out a update credit report.
Product: Credit reporting or other personal consumer reports

The inaccuracies on my report has been weighing on me heavily that I no longer find the purpose to continue on living. My family suggests that I rely on medications to ease my overthinking, but I can not afford anything due to my downgrading credit scores- and its because of these accounts. It would mean a lot for you to remove these.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, XXXX, and Equifax are consumer reporting agencies. As a Federally protected consumer who has rights, that according to 15 U.S.C 6805 ( a ), that are to be enforced by the Bureau of Consumer Financial Protection. 
XXXX, XXXX, and Equifax are reporting in accurate information which I have written and filed two dispute letters in reference to XXXX XXXX XXXX Which they seemed to have ignored. 
XXXX, XXXX and Equifax are a " Company '' by definition, according to 12 CFR 362.2. Reasonable policies and procedures concerning accuracy and integrity are imperative. Which these companies are failing to perform. 
I ask that you please review and I demand that this account be removed immediately. 
thank you XXXX XXXX
Product: Credit card or prepaid card

I received a US Bank Reliacard in the mail XX/XX/2020. I did not ask for it, I can not make it work. I think the us government is sending me money via this card, and I am unable to access the funds, and unable to obtain a balance on the card. I tried two different phone numbers, and they are too busy to speak with me, so I am unable to solve the problem thru US Bank. the numbers I tried are XXXX and XXXX. 
So I think my US Bank funds are held up in limbo. Can you contact them and have them contact me so I can use the card and obtain my funds? thanks XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My payments continue to increase every month on my house payment. First, they said it was the escrow, but when I call my insure. person and the tax building nothing had gone up. Then, that mortgage co ( XXXX ) sold my contract to SPS, the first payment to be made AFTER XX/XX/2017. My payments are due on the XX/XX/XXXX of every month so I sent my XX/XX/XXXX. payment to XXXX. The New company SPS, harassed me on that 1st payment and has added a XXXX charge ... I wasnt late. I also, sent to them the check that cleared to XXXX for the XX/XX/XXXX. payment. My payments have gone from being XXXX to over XXXX per month now! something is not right! Can you please help me??
Product: Debt collection

started receiving mail at my address with my actual name altered for an unpaid XXXX bill. Barclays Bank Delaware XXXX XXXX XXXX for {$5400.00}. My name is part of the name on the due bills. Someone just added XXXX names inbetween my first and last name. I have sent letters explaining this is not me, some of my letters to now attys have been sent by me certified mail. I need help to stop these mailings and clear my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to place a security freeze on my minor children 's accounts as allowed by the Fair Credit Reporting Act. I sent Equifax their required minor freeze form for this and all the necessary information including SS cards, birth certificates, my driver 's license, etc and did not create and freeze my children 's account as they are required. After numerous time consuming phone calls, have not made any progress since I am unable to stay on the phone for hours on end and there is no mechanism to reference the call and restart where we " left off. ''
Product: Debt collection

XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERV XXXX, SC XXXX Re : Debt Validation Request ( ACCOUNT # XXXX ) Dear : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. Stating I owe {$860.00} on account XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C $ 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of this debt 2. The name and address of the original creditor 3. The date of the last payment 4. The date of the default 5. A copy of the original contract or agreement 6. A detailed accounting of all Fees and interest added to the dept.

7. Proof that the statute of limitations has not expired. 

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as requested by law. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A fraudulent account was opened with cash.app under my name. The only reason I know this occurred is because a card was mailed to my address. I did not open an account with cash.app myself