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

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit file regarding the XXXX account ( # XXXX ). According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes promptly. 
Upon reviewing my credit report, I found that the payment status for this account continues to indicate " 30 days late, '' which is inaccurate. I have consistently made on-time payments for this account, and I have attached relevant documentation to support this claim. 
Here are the details of the account : High Balance : {$2000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : Not Available Account Rating : Paid Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Consumer disputes- reinvestigation in progress ; Closed or paid account/zero balance Two-Year Payment History : Indicates " OK '' for all months but continues to show a " 30 Days Late '' status inaccurately. 
I request that Equifax provide a detailed description of the investigation procedure conducted to verify this account 's payment history, as required under 15 USC 1681i ( a ) ( 7 ). Furthermore, I request documented evidence supporting the late payment claim, including specific dates, amounts, and correspondence that validate this reporting. 
In the absence of valid evidence, I demand that the payment status for this account be updated to " Paid As Agreed Never Late '' immediately. Failure to comply with this request within the 30-day timeframe outlined in the FCRA will constitute a violation of my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete from my credit report.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report.

5. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX XXXX personal loan, was listed as 30 days past due on my credit report incorrectly. 

This account was never late on XX/XX/2021. This has been verified with XXXX XXXX XXXX XXXX error is still listed on my " XXXX Report and TransUnion Report ''.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Been filling desputs and nothing seem to get done like my personnel information and closed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 



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

I received money for an eBay sale through PayPal, but after claiming it PayPal " permanently '' closed my account and said they'd keep the funds for six months, despite XXXX saying it was available. The customer support hasn't been responsive and I of course haven't done anything suspicious with the account. 

This prevents me from selling anything else and cancelled all my subscriptions with PP. 

- On XX/XX/XXXX I sold an item on eBay to someone. They received it but didn't remember to file positive feedback. 
- I hadn't connected my XXXX and PayPal account, so on XX/XX/XXXX I did this by adding the email to PayPal. 
- On XX/XX/XXXX they locked my account. 
- I reminded the XXXX buyer to file positive feedback and they did ; XXXX said I'd get the funds but I did not. 
- On XX/XX/XXXX I got an email from PayPal saying the funds are available, but I can't withdraw them. 

I connected PayPal on twitter to ask about it. They didn't respond for a week, but then said they'd look into it. It has been another week since then and I haven't got a response.
Product: Debt collection

A Gentlman working as a collector threatened me with legal action if I did not pay off a debt I may or may not owe at S & S Recovery on behalf of the XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Company is money Gram, i send a {$200.00} on XX/XX/XXXX of this year to XXXX XXXX to a bank account by mean of this company and the money doesn't appear in the account of my wife. So I call this about 7 or more time requested a refund because I feel that getting the round of by this company my wife stated to me that money appear in their system but is blocked by money Gram and she is not access to money it all ever so mean while they state to me that will proceed to make a claim with the bank to see their respond but I think that taking me for ride.
Product: Credit card or prepaid card

purchased few gift cards on XX/XX/XXXX. When opening the package it turned out that 4 digits of the cad number had been manually removed ( probably by a scammer ) and the magnetic stripe somehow deactivated which prevented me to use the card. Fortunately I noticed it really fast and was able to call the number on the back of my card to ask gift card issuer to immediately block my card and send me another one. 

Incomm sent an email stating they will send a replacement card, but I have not received anything nor did they provide a tracking number.
Product: Credit card

On XXXX XXXX I paid submitted a payment for my Bank of America Credit Card on the Bank of America 's web page to be posted to my account for XXXX XXXX. Their web page said they had a new system to do this, then processed my request and gave me a confirmation number of XXXX. XX/XX/XXXX, I received a notice that I did not pay my credit card and they charged me a {$25.00} for a late payment fee. I contacted them and I told them I did submit a payment through their web page and gave them the confirmation number. They said they will look into it and it may take 10 business days. On XXXX XXXX I received a letter saying they can not find record of receiving a payment and that they can not investigate a payment through a third party vendor. They gave the incident case number XXXX. 

I did not use a third party vendor. I used their own web page. I had a confirmation number their own web page gave me. Their NEW system obviously made the error and never charged my checking account for the payment. I should not be fined {$25.00} for the glitches in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th time reaching out to Equifax. I have continuously sent complaint after complaint after complaint. My last complaint was on XX/XX/2023 under complaint # XXXX. I repeatedly told Equifax that I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that Finewise/OPPLOANS is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, 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, not later than 4 business days. 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting the following companies tradelines on my consumer report that is passed the South Carolina Debt Collection 3 year Statute limitation for collecting on credit cards debts. XXXXXXXX XXXX opened XX/XX/XXXX - last payment XX/XX/XXXX - Charge Off XXXX XXXX opened XX/XX/XXXX - last payment XX/XX/XXXX - charge off XXXXXXXX XXXX XXXX XXXX  closed account - opened XX/XX/XXXX - I have not done business with them and did not give them permission to be on consumer report.
Product: Debt collection

This company is reporting an amount due to the credit bureaus for an amount that I do not owe. My cell phone bill was paid in full with XXXX when I chose to switch providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter regarding XXXX XXXX on XX/XX/2021 and It has pasted 30 days for an investigation according to the Fair Credit Reporting Act ( FCRA ), section 611 : if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the credit file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I believe the account XXXX XXXX should be removed from my consumer credit report
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Discovered an unauthorized transaction and line of credit created when applying for a loan. Demanded the company XXXX report it as fraud and take care of it. Since XXXX they have refused. I applied for a loan and saw it again on my credit report and was denied a business loan because of it. I have disputed on all other credit agencies and they have complied only experian and XXXX have yet to follow the law and undue the damages of fraud and unauthorized opening.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX, continue to report inaccurate and false information on my credit report. They are violating the COVID XXXX CARES ACT as well as FCRA LAWS. The accounts in question are as follows : XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The CARES ACT was in place to protect consumers against this. 
According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with Transunion, XXXX, and XXXX but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that Transunion, XXXX, and XXXX have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. 
623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that Transunion, XXXX, and XXXX take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If Transunion, XXXX, and XXXX fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to lvnv funding back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted XXXX, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX  XXXX. I called XXXX  XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell XXXX that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).
Product: Bank account or service

My mom bought a certificate of deposit for {$800.00} on XXXX XXXX XXXX in her name and my name. She asked me to keep it safe. My mom passed away. I was looking through her papers and saw this certificate of deposit. The name of the Bank is Trust company Bank XXXX XXXX XXXX. This bank merged with Sun Trust Bank. So I approached them and showed the certificate of deposit and asked them how I can cash it. They checked with the records department and said they do not have any records prior to the year XXXX and that they can not help me. So I am filing a complaint against Sun Trust Bank. I would greatly appreciate your help in securing this money. Thank you very much. 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am exercising my right to opt out of reporting the two dismissed bankruptcies on my credit report. As such, I formally request that XXXX XXXX XXXX and Experian cease reporting these dismissed bankruptcies effective immediately. 

As a consumer, I have the right to opt out of having certain information reported on my credit report, as outlined in relevant regulations, including 15 USC 6802. Therefore, I am exercising this right in relation to the dismissed bankruptcies.

I understand that opting out of reporting these dismissed bankruptcies may impact the completeness of my credit report. However, I have made the decision to exercise my rights under the law. 

Please confirm in writing that my request to opt out of reporting these dismissed bankruptcies has been received and will be implemented promptly. 

Thank you for your attention to this matter. I anticipate your cooperation in this regard. 

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

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not initiated by me and are the result of fraudulent activity. 
Accounts : XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

SANTANDER CONSUMER USA Closed Balance {$16000.00} Updated on XX/XX/year>XXXX  This loan was already paid off i asked them to remove it from my credit report and they refused
Product: Debt collection

XXXX XXXX, XXXX has sent me a communication to collect a debt without disclosing that they are a debt collection company or that the communication was a means of attempt to collect a debt. 

Their business name itself is deceptive in nature, and the communication is crafted in a manner that addresses urgency, whilst leaving the nature of the communication unknown. I almost thought the communication may have been a Job offer until the document asked me for the last 4 digits of my SSN. 

This is their email, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX We wanted to get you this letter as quickly as possible and having your email of XXXX on file we thought you would appreciate receiving it in an email. If you do not want to receive communications from us via email please use the unsubscribe link below. 

In an effort to maintain your security, we have encrypted your attached eNotice.

To open your encrypted eNotice : 1. Double click on the secure PDF attachment or click this link.

2. When prompted, enter the last 4 digits of your social security number for your password.

* Please note the above attachment link will expire in 90 days of receiving this message.

If you are not the intended recipient, please unsubscribe by clicking on the link at the bottom of this communication.

If you have any questions about your secured eNotice or need assistance, please contact us.

Sincerely, XXXX XXXX XXXX XXXX .