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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax 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 : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect Reporting Due to Closed Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX
Product: Money transfers

Electronic credit card payment was made from my bank account to Wells Fargo on XXXX XXXX, 2016. Wells Fargo received the money on that date, and it was deducted from my bank account. Wells Fargo did not credit my credit card account, but placed a " hold '' on the funds because it was a " large '' payment ( Approximately {$1900.00} ). to date ( XXXX XXXX, 2016 ) no resolution has been achieved despite repeated calls.
Product: Debt collection

North American Credit Services is attempting to collect an XXXX  debt. I have sent several letters to the company that go unanswered and I continue to get collection letters.The practice is quite suspicious because they have not acknowledged any of my requests ; I specifically asked they have the original creditor contact me to validate the debt but as previously stated, they have not answered or acknowledged any of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

No action taken by XXXX  XXXX after I was referred to the fraud department. They took my name number and account info and never followed up and the negative item is still on my account. They never conducted an investigation even after they told me they would do so. 

XXXX credit bureau took my disput complaint and never contacted me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with   XXXX   XXXX   XXXX   that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the  FCRA 623 ( a ) ( 5 ),  this account should be removed from my credit report. It has been re-aged by the   XXXX   XXXX   XXXX   t  o reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equi fax Information Services , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.
Product: Debt collection

I have never live at this apartment complex. Someone has been using my identity with apartment complex as well as medical billings. 
I did contact the property they referred me only to the collection agency. I spoke with collection agency and they could not provide me with the information also asked to send me proof of debt and identity theft information not received. however, the collection agency did inform me to submit the identity theft and to report back to them.
Product: Debt collection

I was notified by XXXX of a collection placed on my credit profile, from TRANSWORLD SYSTEMS INC on XX/XX/XXXX. 
The original Creditor being XXXX. 
It says this account was opened on XX/XX/XXXX and has a past due balance of {$500.00}, as of XX/XX/XXXX. 
When I called TRANSWORLD SYSTEMS INC, explaining that I never opened an account with XXXX, they said this account was actually from XXXX. However, they are reporting this account newly opened in XXXX, trying to restart the process. According to 15 USC 1681 ( e ) b, all account information has to be reported accurately. Being as though TRANSWORLD SYSTEMS INC is a debt collecting agency, they already paid for the debt, meaning nothing is owed. Not only that, but they're not reporting accurate information. I have no contract with TRANSWORLD SYSTEMS INC, binding me to payment, and they can't produce a contract with my written consent, between myself and TRANSWORLD SYSTEMS INC. I will be sending a cease and desist, and have my lawyer sue for defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished five accounts on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Checking or savings account

XXXX of Information : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, VA XXXX Phone Number : Telephone Number Not AvailableReported For : OVERDRAFTS ; REPORT IS DISPUTED BY THE CONSUMER ( XXXX ) ; Reported Name : XXXX XXXXReported Address:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN/ID : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Charge Off Amount : $ XXXX Status : UNPAIDClosure Status Date : XXXX. XXXX XXXX XXXX section XXXX A. XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a collection notated on my credit report from XXXX XXXX and XXXX on behalf of XXXX XXXX. This is an inaccurate collection due to XXXX XXXX  payment posting to an incorrect account. This collection was immediately disputed with XXXX XXXX and XXXX XXXX was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both TransUnion and XXXX have failed to investigate my dispute which was submitted through XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with 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 my 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 in XXXX  days 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit card or prepaid card

I had made my payments on time but yet I still get late fees to my account and there is this interest purchase charges on my account every month and I haven't made any purchases in the last 5-7 months. I sent numerous letter and no one has responded. I tried calling and they tell me that there is nothing they can do. They are ripping everyone off by doing this. Please resolve this!!! If no purchases are made in that month then they should not be charging any interest purchase charges.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA. ) Specifically failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

In XX/XX/XXXXthrough the present I have received countless calls from multiple collection agencies regarding a loan with The XXXX XXXX in XXXX Co Utah. I have never been to Utah or had business with a XXXX XXXX. I filed a police report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After much harassment and multiple attempts at providing letters from Consumer Affairs, Police Reports etc in XX/XX/XXXX, the loan was removed from my credit report. However, the collection companies change hands and start over a year later, over and over. i.e. XXXX XXXX, XXXX XXXX, and Allegiant. Allegiant is the most current and most rude with threats of Arrest, Court, Legal Summons, fowl language and dozens of calls to my work number.

My credit has always been perfect and I am a 38 year military veteran with a XXXX XXXX. The collections have destroyed my Credit, ruined my life and caused me to lose my XXXX XXXX and job.

I want this to end and would like for these companies to be punished and compensate me for over 8 years of abuse, and to stop passing this loan from one collection company to another.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian and XXXX for Inaccurate Reporting on XXXX  Account To Whom It May Concern, I am writing to formally file a complaint against Experian and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ending in XXXX. Despite multiple attempts to address these inaccuracies, including disputes filed on XX/XX/XXXX and prior dates, the issue remains unresolved. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed ( XXXX ), Paid ( Experian ) Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Late 30 Days Errors and Discrepancies : Late Payments : XXXX and Experian inaccurately reported 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, despite the account showing a {$0.00} balance and being closed as of XX/XX/XXXX. 
Inconsistent Account Status : The account is reported as " Closed '' in XXXX but " Paid '' in Experian, leading to confusion and inaccuracy. 
Lack of Verification : Despite disputes filed on XX/XX/XXXX, no corrections have been made, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Violations of Federal Law : 15 USC 1681i : Credit reporting agencies are required to investigate and correct inaccurate information in consumer files. Both XXXX and Experian failed to fulfill this obligation. 
15 USC 1681b : This section prohibits furnishing inaccurate information, which both bureaus are guilty of by reporting late payments that did not occur.

15 USC 1681s-2 : The data furnisher ( XXXX ) failed to provide accurate and updated information to the credit bureaus, violating their responsibilities under the FCRA. 
Impact on My Creditworthiness : The incorrect late payment notations have caused undue harm to my credit score, negatively impacting my ability to secure credit and financial opportunities. 
Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from both XXXX and Experian reports. 
Correction of all discrepancies to ensure the account reflects accurate and consistent data. 
Written confirmation from both bureaus that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional complaints with relevant regulatory agencies and exploring legal action. 
I request a formal acknowledgment of this complaint and a resolution within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 ) In XX/XX/XXXX I saw my XXXX  score drop from XXXX to XXXX. 

2 ) Called XXXX in XX/XX/XXXX and started dispute and gave paperwork showing account was paid in full. Later XXXX rejected my dispute as my paid in full letter was XXXX and to old. 

3 ) Contacted SouthState bank on same date in XXXX and made appointment to meet with them. I met with XXXX XXXX at the bank, he said he corrected the account to reflect paid in full, never delinquent and closed. He said it would be sent to XXXX the following week. Its been more then a month and still not corrected. 

4 ) Ive been checking online my XXXX trade line and it still shows a {$50.00} balance, past due, 4 late payments in XXXX and still open. It was closed in XXXX as it needed to be as I sold the home in XX/XX/XXXX. 

5 ) I believe SouthState never closed the account in XXXX and began billing me {$50.00} for the annual fee in XXXX on an account that was closed.
Product: Debt collection

I am writing regarding the account in question with XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and Transworld. I previously requested verification of this account from XXXX XXXX, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). However, the only response I received was a bill. Subsequently, I received a letter from XXXX XXXX stating that they are not required to provide verification more than once and refusing to send any further documentation. 



Separately, I noticed Transworld listed on my credit report as a collection agency for this account. I had never received any correspondence from Transworld until I requested verification of the debt. In response, they also sent me a bill, but no additional information or documentation proving that the account is valid or that I am responsible for it.
Product: Bank account or service

Was in XXXX XXXX XXXX XXXX in XX/XX/XXXX. Hospital has 3rd-party billing company - XXXX ( AKA XXXX ' ). XXXX & I have had ongoing billing issues thru XX/XX/XXXX, due to my 'overpayment ' of bill ( which should 've been 'zeroed out ' due to my insurance/their billing mistakes ). Have received XXXX ( XXXX ) refund checks from local state facility ( no address avail via XXXX, but have local # AND XXXX # ). 3 months had passed, as of this week ( opened mail XX/XX/XXXX, no datemark on XXXX envelope, just XXXX 's return city/state of XXXX, Tennessee ) with Bank of America 's debit card ( aka 'BofA ' ) attached to default debit card form, only referencing XXXX logo up top of form, reference in bottom right says, card value : {$100.00}, XXXX XXXX XXXX XXXX along with included bank facts of how private information can be shared. Never authorized 3rd-party billing to 'volunteer ' my private information ( including my SSN, which is referenced in bank doc ), nor agreed to it in hospital documentation. Contacted XXXX via XXXX #, asked for supervisor, got XXXX XXXX, rude, interrupted my statements of HIPPA violation reasons & that I 'd previously gotten refund checks, by saying it was NOT HIPPA violation, that it was 'new ' policy ( my summation is that I wo n't be the only individual dealing with this HIPPA violation ). I interrupted her to get her full name, told her I would be reporting her for HIPPA violation and hung up. Tried calling my bank to see what options I had, no one available to help, decided to call local state XXXX #, spoke to XXXX XXXX. Am uncertain whether she 's aware of other office 's ( corporate? ) policy, BUT was extremely pleasant and helpful, said she 'd follow up with me 24/48 hours later via email, repeated back to me my requests : 1, to have my private info removed from BofA ; 2, that I get a refund CHECK from XXXX ; 3, that BofA credit card made void.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the worse Credit Reporting Agency to even deal with. On Several occasions I have contacted them with regards to these inquiries and no one ever wants to assist you in finding a solution. These people are not on the consumer side at all and should be fined all day long and I see why they are constantly getting sued ... ..

I want these erronenous hard inquires removed immediately off my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I XXXX XXXX am submitting this request again due to then on response of my inquiries. Since XX/XX/2023 I have asked Bubba Hill Auto to provide me with original documents of this loan, they refuse. In their response to my last complaint they whole heartedly said they had no issue getting this documents to me but have yet to do so. I want original signed documents emailed to my email address to which I have emailed and employee XXXX numerous times. They by law have to prove this debt/repossession is legally mine, and they refuse to do so because they state these documents are locked in a storage unit. I have asked for these documents since XX/XX/2023 and yet as of XX/XX/2023 no documents have been provided.