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

On XX/XX/year>, I submitted a goodwill request to XXXX, Equifax, and XXXX, seeking the removal of several late payment entries on my credit report as a gesture of goodwill and for verification of accuracy under the Fair Credit Reporting Act ( FCRA ). My request was based on my right to fair and accurate reporting, as mandated by FCRA and related U.S. Code provisions, including : 15 U.S.C. 602 : Declares the purpose of FCRA to ensure accuracy, fairness, and privacy of information in consumer reporting.

15 U.S.C. 1681 ( Section 604 ) : Grants consumers the right to request information used in credit reports and mandates credit reporting agencies to ensure accuracy and fair reporting.

15 U.S.C. 1666B : Establishes rules on how credit information must be reported, allowing consumers to dispute inaccuracies and requiring the removal of unverifiable information. 
Despite sending certified letters, I have not received confirmation of receipt or a response from XXXX and Equifax. Additionally, Equifax has continued to request duplicate documents that I have already provided, which feels like an intentional delay and obstruction of my right to timely dispute resolution under 15 U.S.C. 1681i. This section requires credit bureaus to investigate disputes within 30 to 45 days and inform the consumer of the results.

In my original request, I specifically asked each bureau to provide documentation proving the accuracy of each reported late payment, including : Payment records from the creditor showing the due date and receipt date for each payment. 
Account statements and billing history for the dates in question. 
Communication records regarding any notifications of missed or late payments. 
Date-specific verification for each late payment reported. 
I am requesting CFPB assistance to ensure that XXXX, Equifax, and XXXX fulfill their legal obligation to provide this verification or, if they can not, to remove these items from my credit report. These unverified entries are negatively impacting my credit standing, despite my commitment to improving my financial history. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX ( Charge Card Account ) has violated multiple federal privacy laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, the Privacy Act of 1974 ( 5 U.S.C. 552a ) requires prior written consent before disclosing records to consumer reporting agencies. XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. 
This account shows multiple delinquencies from XX/XX/XXXX through XX/XX/XXXX, with reported late payments of XXXX, XXXX, and 90 days, closing in XX/XX/XXXX. I am exercising my continuing right to opt out under 12 CFR 1016.7 ( h ), which requires compliance " as soon as reasonably practicable. '' The continued reporting without proper privacy notices, opt-out opportunities, and consent violates both the FCRA and the Privacy Act of 1974. I demand immediate cessation of all reporting of this account to any and all consumer reporting agencies.
Product: Debt collection

I made a visit to XXXX XXXX XXXX center for XXXX related issues in XXXX of XXXX. My primary insurance paid the amount, and there was a balance remaining of {$1200.00} to be paid by my secondary insurance XXXX XXXX XXXX When the primary insurance paid, XXXX XXXX XXXX center reached out saying I had a balance, and to either pay it, or ensure they had all insurance payors listed. We had noticed that my secondary was not added, I gave them the information and it was added. Numerous times I'd receive letters in the mail saying that the debt is still owed, and that the debt is now outstanding, etc. Each and every time I would call XXXX XXXX XXXX XXXX, and they would ensure me that the secondary insurance is processing and to ignore the demand letters. All of a sudden the debt was transferred to collections. I call them back and asked why they told me to wait for insurance to process and then sent it to collections, they had no response other than the person I spoke to gave me incorrect information, they have notes of each and every phone call I made to them, but refuse to admit guilt as they already transferred the debt. I would have paid the debt, a small amount, in comparison to damaging my credit report, but I was INSTRUCTED to wait by them.
Product: Bank account or service

I had a checking account with Bank of the West. Because I no longer live in a state they serve, I wanted to close my account. They told me the only way I could do that was by mail. I sent a letter, overnight via XXXX requesting they close the account. A few days later I received a cashiers check in the mail for the remaining balance. So far so good. However, I kept receiving forms in the mail informing me of overdrafts to the account. I do not know why, but apparently an old utility account ( XXXX ) was attempting to draw from the account. All utilities accounts which used to draw from the account were closed before I closed the checking account. When I spoke to the bank to explain the situation, I asked them to reverse the charges and clear my account. They were uncooperative and threatened to turn me over to collections. They said it should have been disclosed to me that there was a five day window. I was never told this. I was hoping they would come to their senses, but this afternoon, I received a call from a collector. The most striking thing to me about this situation is that the overdrafts were caused by Bank of the West writing me a cashiers check too early!
Product: Checking or savings account

I had a checking account with Suntrust specifically to pay my mortgage. Roughly 4-5 months ago the local branch closed. I paid it online for a month or so then became locked out of my account. The closest branch is an hour and a half away. I was told I could pay via a XXXX number, so I did that. I recently received notice that I owed Suntrust {$68.00} and was shocked. I have never been late on my mortgage. When I called they explained because I did not use my account in two months they withdrew the {$30.00} and change I had in there for a maintenance fee which I knew nothing about. Then when it became negative due to the maintenance fee I was charged an NSF fee. This is unreal. They refuse to withdraw the charges and are threatening to send my account to collections. Suntrust Bank Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not authorized any entity to access my credit information at that time, and I have no knowledge of this inquiry.
Product: Debt collection

I signed up for a loan that I took out for {$450.00} with a finance charge of {$220.00} and I did n't realize at the time I 'd end up paying a ridiculous interest rate on the loan. So I asked them if I could set up a payment plan, but I did n't realize I had to pay the amount of like {$1200.00} and they refused to help me lower it. So I let it go collections, now they 're saying I owe {$920.00} with a {$220.00} finance charge and a late fee of {$20.00} included in it. I 've been trying to resolve this with them but getting it resolved has been the biggest headache. I 'm hoping you can help me get this resolved these people are the biggest scam artists ever! 

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

My account with XXXX was never late! I have had exceptional payment history with 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 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 months that are reported late 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 21 days before the payment due date. 


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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Consumer Loan

I bought a XXXX saturn vue for {$7500.00} from XXXX XXXX in XXXX. By the time I am finished paying for it .it will cost me {$23000.00} The warranty that came with the card XXXX year XXXX mile was not accepted by any dealership for repairs. TD auto finance has given me so much grief, like telling me I have a XXXX day grace period to make my payment and yet they still charge a late fee. Now the car has a blown head gasket and no one will repair it. They all want to put in a new engine at the cost of {$7000.00} and I can at afford to do that and I still owe about {$5000.00} on the car. I am at a loss as to what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was made aware of a recent account by XXXX XXXX XXXX. I have never applied etc for this company. My credit has been frozen since XXXX. XXXX never did a credit inquiry ( nothing shows on credit report of them doing that. If they had they would have seen the frozen credit report. ). This is NOT my account. I have told Equifax and XXXX this and they are not removing it from my credit report. I can not contact XXXX because 1 ) I have to leave a voicemail and No one ever responds and 2 ) if I send an email I have to include my social security number. I believe XXXX to be a fraudulent scam company who allows other people to use our great credit and we get stuck because they are not diligent in checking credit reports. I am not the only one this has happened to. If anything could be done to change XXXX business practices or get them out of business, it would save a headache for everyone. I want this false information off all three credit reporting agencies. Not only do I have frozen reports but now I have layered it with fraud alert. But that doesnt help when they dont check! Thank you for your assistance in resolving this matter and restoring my credit report to accurately reflect my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to Exeter publishing my information per the CRAS. Exeter is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/X/2017 ( documents attached). Come to find out that the last 2 payments made of XXXXXXXX on XXXX XXXX and another for XXXX a week after that (receipt of payments with confirmation # s uploaded)  XXXX-XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!
Product: Bank account or service

I am a former employee of Wells Fargo. While an employee, I had all of my accounts there per the firms requirements. I left about a year ago and moved my investment accounts, but kept my checking, XXXX accounts and mortgages with Wells Fargo. I had a PMA account which would have a fee, but due to my having all my accounts there it was waived and ATMs at other institutions were credited back. Recently Wells Fargo sold their XXXX accounts to XXXX Bank. In doing so, my account was free at Wells Fargo and now has a monthly fee of {$3.00} a month without notice or ability to modify. Additionally, Wells Fargo no longer counts the balance of my XXXX towards my total balance at Wells Fargo which subjects me to monthly fees of {$30.00} a month and I no longer get the reimbursement for using non Wells ATMs. What bothers me the most is I was not notified in advance, and I have sent XXXX messages to Wells with no response.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 letters two Experian advising their reporting a collections account that is not mine. It is over 30 days and still no response of verification. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX MN CHILD SUP DEPTEDXXXX   Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX MN CHILD SUP DEPTEDXXXX