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 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 Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
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 : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
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: Debt collection

I checked my report and I saw an auto loan under FREEDOM TRUCK FINANCE FOR {$15.00} XXXX. I am shocked because I have never asked or financed a truck from them. Never in my wildest dreams to finance a truck be bound to them. I worked for them but that is it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XX/XX/XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.
Product: Credit card or prepaid card

BarclaysCard shut my account down with out any warning, mentioning some unspecified violation of bank policy. They seized roughly {$1000.00} worth of points. Please help me get a refund check for the roughly {$1000.00} worth of points they stole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, and the information of millions of other Americans, which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Three Equifax executives sold shares worth nearly {$2.00} million in the company days after a data breach was discovered -- THIS IS IMPROPER. They sold shares before informing anyone of what had happened. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
I have already requested a credit freeze through XXXX and XXXX costing me {$10.00} per credit service. I will need to pay Equifax to freeze as well. ( Even though Equifax is the one who screwed me over in the first place. ) I will need to pay {$10.00} each time I want my credit unfrozen ( even if temporarily ). 
This Is Not Acceptable. 
Someone needs to pay for this.
Product: Credit reporting or other personal consumer reports

This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXX XXXX XXXX XXXX would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.
Product: Credit reporting or other personal consumer reports

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

I looked at my report and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because. 
XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, Experian, and XXXX are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...
Product: Debt collection

XXXX I filed a dispute with XXXX concerning a collection account on my credit by Midland Credit MGMT Inc. that states i owe {$1200.00}. On XXXX XXXX I was denied credit because the dispute was still being reported over 3 months later. I spoke with a supervisor at XXXX on XXXX XXXX They resubmitted my dispute and had no reason they could tell me why this dispute was still being reported. So, they filed a new one. The XXXX dispute confirmation number is XXXX. This is their reply to me. 
The results are : This creditor has verified to OUR company that the balance is being reported correctly. Historical account information was deleted from this account. Charge off amount {$0.00} How can XXXX say it is proven to them i owe this amount almost 6 months after first filing a dispute? If there is no historical info how was it proven to them? Why was I denied credit because of a dispute left on XXXX almost 4 months after filing it. This was a XXXX credit card originally with a credit limit of {$500.00}. I was working with XXXX, making payments. This collection agency has made up an amount, left it on my credit report and XXXX wont listen to a thing I say. Their own letter telling me it 's resolved makes no sense. These people are horrible to deal with. hard to understand with thick accents. Please help me. I have gotten no where with XXXX. They wont listen to reason
Product: Credit reporting or other personal consumer reports

This is to follow up on the unresolved issue regarding the inaccurate reporting of fraudulent items on my credit report. I am very frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that these items are accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me remove the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX - XX/XX/year> ; XXXX - XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I was sent a letter by Hyundai motor finance on XX/XX/year> that I had a remainder debt after I opted out of renewing the lease with them, the letter said they were willing to do a settlement if I paid 80 % of the total which was XXXX. That amount was paid on XX/XX/XXXX of 2024 which I have a confirmation number for. Since then each month they have me as delinquent going as far as sending it to a collection agency and marking it as pay-off. I have contacted them 3 times, the second time I got another confirmation number and last time I asked for a letter confirming the payment was settled which I got. I have disputed it with XXXX 3 times but it always comes as ( verified/updated ) but the debt is still there, the 4 month of delay are still there taking my credit score from high XXXX 's to a low XXXX. Hyundai says the report to credit agencies every 30 days but it still shows I'm delinquent, XXXX doesn't seem to want to remove that delinquency and update my credit score. I don't know what else to do.
Product: Student loan

I was enrolled in auto-pay for my 1-01 Direct Loan - Subsidized,  which was unexpectedly and without notice cancelled on XX/XX/2018. As a result I missed my scheduled payment on XX/XX/2018 by one day. I was never notified by Navient that my auto-pay enrollment was cancelled. The Navient representative was unable to find out why my enrollment in auto-pay for that loan was cancelled.There were sufficient funds in my checking account from which I make payments on top of that. I immediately made the payment manually on XX/XX/XXXX. I set up auto-pay enrollment precisely so that I could get peace of mind when making repayments on my student loans. It is irresponsible for Navient to cancel enrollments of its customers and without notice. I receive a monthly email from them confirming payment. When I did not receive it this morning I made sure to check. Had I not checked my loan could have gone into default eventually.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, XXXX and transunion Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

KIA MOTOR CORPORATION WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. 
I OWE NOTHING TO KIA MOTORS OR ANY OTHER AFFILIATES ASSOCIATED WITH KIA, UPON TRYING TO GET RESOLVED WITH KIA, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO KIA NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.
Product: Bank account or service

After filing a dispute with my debit card, PNC bank issued a provisional credit on my checking account. Without proper notification, PNC bank reversed the provisional credit, which resulted in an overdraft on my account. Due to not be notified in a proper manner, my account suffered numerous fees. When I brought this issue to attention of PNC Bank, the branch manager told me they would make sure that any outstanding debits would be paid. This has not happened. Not only was I not properly notified, my account suffered an overdraft, and debit have not been paid as a result.
Product: Debt collection

The unfounded debt was initiated by XXXX XXXX XXXX XXXX XXXX XXXX ) directly attributed to the apartment complex XXXX XXXX XXXX in XXXX, LA. 

I had to move into this facility due to being a direct victim of Hurricanes Laura, and 6 weeks later Hurricane Delta. I stayed there during the legal battle that had to take place in order to repair my home which took over a year. I paid every rent amount due on time, never was a payment late in ADDITION to the mortgage I was paying on a house unable to be lived in. I submitted a 60 day notice ahead of moving out as stated by there policy ( which wasnt across the board as others were able to pay month to month I would learn ). 

I spoke directly with a XXXX XXXX with XXXX XXXX XXXX and all funds were paid and I moved out XXXX of 2021. I have a balance sheet showing I have a XXXX balance and Ive been getting repeated calls from a collections agency ( XXXX  ) saying I owe {$700.00} when they never even returned my {$500.00} deposit. I sent them proof of no balance from XXXX XXXX itself showing I indeed owe XXXX dollars. Yet I have been submitted to collections when I have worked tirelessly to build my credit. They have only recently began to call 2-3 weeks ago claiming to needing to speak to me regarding the balance. When I emailed the balance to them to the email I was provided I received NO confirmation, and the harassing calls continued. 

I can submit any documents needed to show this is fraudulent and in fact reporting me to collections has a damaging effect. I am beyond tired of fighting matters of finances when there isnt a battle to be fought over to begin with. 

I believe this is malice and taking advantage of victims who are already pinching every penny and doing their every best to get by. On my own complaint, Im furious because this matter was settled nearly a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called many times XXXX to report that I never did a bankruptcy that was reported under my old Amex account. I disputed two times, and they always answered that after dispute it is there to stay until XX/XX/XXXX. I called Amex, and same answer. On XX/XX/XXXX, I went to United Sates Bankruptcy Court Southern District of Florida, and I paid to have them to do a search, and they did issue a sealed one page report stating that they " none found '' any pending or closed bankruptcy cases in this district. It's been 6 months that I'm fighting and dispute with XX/XX/XXXX, they hung up on me, and a supervisor even read the notes that other employees put in my file, and the employee lied in his notes. 

How come a reporting agency or a credit card can put whatever they want even if it's not true. It's illegal, false information, I NEVER did a bankruptcy. This is destroying my life. In the USA you can not do anything with this mention in your credit bureau, your life is almost destroyed. I had more than 36 mistakes in my file with XX/XX/XXXX this year. In the report attached with this complaint you will see that in XX/XX/XXXX they were supposed to DELETED the bankruptcy and they never did. That's a lie. Why sending a Dispute Report if it this not true? XX/XX/XXXX as the goal to destroy people only. They just care for the paid clients like AMEX. 

I will attached also a letter directly from AMEX that I received in early XX/XX/XXXX, and in the rectangle everything that is there, it is totally false, they did exactly the opposite. They still report me every month even if my account is close since long time, that file affect my credit score no doubt.

That needs to stop. If this system can allow me to download documents, I will certainly join proof for CFPB to help me as quickly as possible.

I also have another NEW problem with XX/XX/XXXX since yesterday. I think, not to mix things, that I will initiate another complaint after this one, to be able to explain my NEW problem with XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Student loan

I tried to make a payment arrangement with Bass and Associates to try to resolve my account. I was denied the hearing because if two pieces of documentation. Now my wages are being garnished from two different student loan one is XXXX that is already garnishing 15 % of my wages now Bass and Associates would not make reasonable accommodations on repaying back the student loan. I asked them for options one option was to pay XXXX in 90 days to close the account. I asked them what are the other options they stated i would have to pay XXXX a month current make XXXX a hour with a wife with a XXXX that work part time and a XXXX year old child. I thought by getting and completing my degree that life would be easier but it just made it worse. I sent them all of my paper work that they requested which outline all my bills and submitted the information and was still denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I found an inaccurate late payment from XXXX that was reported to XXXX XXXX, Equifax XX/XX/2019. I was never late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I've continued to reach out both to the credit bureaus and collection agencies regarding the fact my identity was stolen and has been compromised. As a result there several fraud related accounts established online through identity theft without my knowledge or consent. For some reason an account by the name of Cedars Business Services continues to report an amount for a loan that I never taken out or received any money from after being notified by both myself and the major consumer reporting agencies that this is account is from the result of identity theft and or fraud. By continuing to report this fraudulent account, it violates both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. This issue has been going on Since XX/XX/2020 and I would like something done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2016, Credit Technologies Inc placed  a hard inquiry on my  XXXX ,  XXXX , and   XXXX    credit  reports. I advised them that they did not have my written authorization to do so and I requested for them to remove it and it is still on my credit report.
Product: Credit reporting or other personal consumer reports

Loan or card opened on my credit report for {$20000.00} dollars. {$11000.00} of that balance used. 
Fortiva Retail Card XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under XXXX. Code XXXX ( b ) I would like this item to be removed.