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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : 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 Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date. 
System Error : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
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
Product: Mortgage

In XX/XX/2021 XXXX XXXX did not apply my payment. I have a letter from XXXX showing the money sent and XXXX XXXX failed to apply. I spoke with a XXXX XXXX employee in XXXX, XXXX, XXXX and XXXX to try to get this corrected. Each employee had diffrent responses to the issue. The one said I see we received your payment however you have a new loan number, i asked when did my loan number change, she was unable to tell me this and hung up on me. When i called back i was told the loan number did not change, that my late fees would be waived and XXXX would be applied. On XX/XX/XXXX i received a statement saying i was 45 days late on 2 payments, XXXX bank shows the XXXX payment was cashed XX/XX/XXXX, however it was not applied. Also for XXXX was not recorded. I have my payments go out automatically every month through XXXX bill pay, they send the payment by the 4th of the month every month, i have never missed a mortgage payment ever. Late fees are continuing to accrue, i pay {$1600.00} a month on a regular payment of XXXX, my funds are not being applied correctly to the additional principal payment. In addition i submitted a credit reporting error in which the servicing company rejected, now creating damage to my credit score. The bottom line of the issue is they never applied the XXXX payment which the representive confirmed that she saw it but was applied to a different loan number!
Product: Credit reporting or other personal consumer reports

Submitted a dispute on XXXX XXXX XXXXXX/XX/ XXXX XXXX  saying I know Im not responsible under the House Joint Resolution 192 & 18 USC 8 for a balance of {$140.00} that Jefferson capital system is claiming I owe still refuses to remove it so now its identity theft USC 1681 ( c ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and updated as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a loan online with One Main Financial. Went to physical location of lender to complete documents. 
I have been making my payments on time but have been receiving harassing calls for me to sign additional documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of my rights please help. They keep saying an account is verified as accurate, without providing me with any data on the account, and any proof of their method of investigation, and their so call real dispute results or the documentations prompting them to say the accident accurate. I even reached out to the credit, I was at first told that there is a fraudulent account in my name, that it will be deleted within 30 days, and then I received an email days ago saying they don't have any accounts under my personal information, so I am super confused, but either way the account is fraudulent and not mine, and would like it deleted from my credit report. Please see attached documents!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit card on my account saying Im an authorized user. Id like this removed from my account. I didnt sign anything or ask to be put on as an authorized user at any time with anyone.
Product: Credit card or prepaid card

This is related to account ending with XXXX for Gap Inc. Visa Signature card issued by SYNCHRONY BANK On XX/XX/2018 - there were 2 fraud transactions made on account. I called customer service to ask about the charge and specifically asked if my card details are compromised. Here is what the response was - no there is no issue with the card. And 2 transactions are same amount credit and debit so there will be no impact on balance Then on XX/XX/2018 - there were almost 10 transactions made costing to in total of $ 2000+. I called back again to customer support and then the card was closed. 

In those 10 transactions on XX/XX/XXXX - there was one transaction from XXXX for $ XXXX for which I tried with credit card company to open the investigation 4 times ( XXXX, XXXX, XXXX, XXXX ) but always it got declined. All other transactions were found as fraud and balanced. 

Based on bank investigation, they are claiming that XXXX has shipped the item so charges can not be put in fraud. 

Here are some of questions that I asked to credit card company and never got answer ( credit card company has {$0.00} Fraud Liability claim policy ) : 1. I  have never purchased anything with XXXX, so can they supply a proof that they have any proof of legitimate notification as part of this sale or any notification sent as part of shipment notification 2. If there were so many other transactions that happened on XX/XX/2018 which investigation team found out to be fraud, does it not logically make sense that this might be one too 3. Investigation Team from the bank never reached out to me as part of 4 round of investigations. Not sure how they decided on this fraud case from other side. 
4. I never ordered any thing, neither I got a notification of any shipment so I never collected the package ( as I live in apartment ). So is it not possible that even though XXXX sent the item but package got trashed/misplaced during the holiday period Not sure what next an be done for the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle from XXXX XXXX and the traded in my old car that I owned through Chrysler Capital. My Payment was due on XX/XX/XXXX and was the exact date that the Payoff Balance was supposedly entered Chrysler Capital system. Chrysler Capital sent me a payment statement via email as to say that the payment was received in a lock-box previously and entered on XX/XX/XXXX. My Issue is that with Everything is taking a very long time to process and most companies aren't even allowed to be open because of the Pandemic if they were not considered essential how was the payment processed in a timely fashion? So how was my payment considered late if it was mailed? Extra time should have been allowed because of the extenuating circumstances. I do not believe That I should be penalized with a 30 day late mark on my credit for something that I had no control over. The company stated that the payment was on the way so it was no need for m to make an additional payment. I however, should not be held responsible for when it was entered into the system, which was suspiciously exactly on the XXXX Day. I've had the vehicle for 3 years and I do not have any late payments except for the pay off balance which was paid by another company. This is ruining my credit with this 30 day late mark and I think that it is unjust and undeserved especially during this time that the world was practically shut down and I had been paying before being considered 30 days late. Can I please get some help with this? Thank You
Product: Debt collection

This is a violation of 15 U.S. code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately This {$220.00} debt was already paid to XXXX XXXX and the equipment was retured. I did not receive any letters stating collection alert.
Product: Vehicle loan or lease

In XXXX of XXXX, I purchased a ( XXXX / XXXX XXXX ) & it was finanacised by Consumer Portfolio Services, and I agrred to the Terms of this Contract, even though the Interest Rates were very high, I signed the document & agreed to pay on time. The problem began once I began to make my monthly payments & once I received my Billing Statements, I realized that a GREAT PORTION OF MY PAYMENTS, WERE BEING DIRECTED TO THE INTEREST!!!! Also I was Charged ( {$2600.00} ) for an Extended Warranty that WAS DENIED BY THE XXXX XXXX WITHIN THE FIRST THREE MONTHS, BUT I AM STILL PAYING FOR THIS WARRANTY THAT HAS BEEN DENIED. Since submitting several complaints to the CFPB, I have received an updated payment record, showing the OUTRAGEOUS INTEREST DEDUCTIONS THAT XXXX, IS WITHDRAWING FROM MY MONTHLY PAYMENTS. The Contract that the Dealership created, stated that ( 26.60 % ) would be deducted every Year, but I have calculated the total Interest Payments that is being with held from each monthly payment, that ranges from ( 21.677 % to 67.583 % ) EVERYTIME I MAKE MY MONTHLY PAYMENT, THIS MAKES NO SENSE AT ALL!!!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Creditor Reporting Late Payments : XXXX XXXX XXXX Account Number : XXXX Complaint Details : This complaint addresses Experians inaccurate reporting of late payments on my credit report, specifically for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year> under my XXXX XXXX XXXX account ( XXXX ). ** Despite the fact that I made these payments on time, Experian continues to report them as 30 days late. These inaccurate entries have negatively affected my credit score and caused undue financial stress.

Details of the Issue : Timely Payments : I have attached evidence, including payment confirmations and bank statements, proving that my payments for the disputed months were made on or before the due dates. 
Reporting Discrepancies : Both XXXX and XXXX report the same account as " Paid or Paying as Agreed '' with no delinquencies for the disputed periods, highlighting inconsistencies in Experians reporting.

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : Experian has a legal obligation to ensure the maximum possible accuracy of the information it reports. The presence of these inaccurate late payments violates this obligation.

Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : Under the FCRA, Experian must conduct a thorough reinvestigation of disputed information. Despite my submission of evidence, Experian has not corrected this inaccuracy.

Impact of Inaccurate Reporting : The erroneous late payment marks have significantly lowered my credit score, limiting my access to financial opportunities and causing unnecessary stress.

Requested Resolution : I am requesting the CFPBs assistance to ensure the following actions are taken : Immediate Removal of Inaccurate Late Payments : Experian should remove the inaccurate late payment entries for XXXX, XXXX, and XX/XX/year> from my credit report. 
Verification or Documentation : If Experian continues to report these late payments as valid, they must provide the following documentation : Billing records for the disputed months.

Proof that delinquency notices were sent to me.

Evidence showing that payments were not made within the agreed terms.

Supporting Documents Enclosed : Payment confirmations for XXXX, XXXX, and XX/XX/year>. 
Bank statements showing timely payments. 
Credit report comparisons highlighting discrepancies between XXXX, XXXX, and Experian. 
Escalation of Complaint : If Experian fails to correct this inaccurate reporting or provide verifiable documentation, I request that the CFPB take further action to ensure compliance with the FCRA.

Thank you for your attention to this matter. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

XX/XX/2019 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$150.00} Dear MERCHANTS CREDIT GUIDE, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a significant issue I have encountered with the credit reporting agencies regarding an identity theft incident. Despite my repeated attempts to rectify the situation, I have been met with inaction and a lack of proper investigation from the credit bureau, which has resulted in significant harm to my financial and personal well-being. 
The incident in question pertains to a fraudulent account that has been reported on my credit report. I filed an identity theft report with the Federal Trade Commission ( FTC ). I also submitted disputes to the credit bureaus involved numerous of time, along with all necessary supporting documentation, including the FTC identity theft report, police reports, and notarized affidavits. 
However, instead of conducting a thorough investigation as required by law, the credit bureau in question merely asserted that the account in question was mine without providing any concrete evidence to support their claim. This response is not only inadequate but also violates the Fair Credit Reporting Act ( FCRA ) and its requirement that credit bureaus conduct a reasonable investigation when consumers dispute information on their credit reports. 
The violations that I believe have occurred include but are not limited to : Failure to conduct a reasonable investigation : The credit bureaus in question failed to fulfill their legal obligation to conduct a thorough and impartial investigation into the disputed account, as mandated by the FCRA. 
Lack of notification : The credit bureaus did not provide me with written notification of the results of their investigation within the required time frame, denying me the opportunity to review their findings. 
Disregard for supporting evidence : Despite providing extensive documentation, including the FTC identity theft report and police reports, the credit bureaus did not consider this evidence during their investigation, undermining the integrity of the process. 
Failure to block fraudulent information : The credit bureaus did not block the fraudulent account from my credit report, allowing it to continue negatively impacting my credit score and financial standing. 
Refusal to correct inaccuracies : The credit bureaus refused to correct the inaccurate information on my credit report, thus perpetuating the harm caused by the identity theft.
Product: Debt collection

Called Transworld Systems today requested information concerning pay for delete and settlement of alleged debt. Representative informed me that account balance owed is {$230.00} and account can be settled today for the amount of {$150.00} and tradeline would be immediately deleted off the Credit Reporting Agencies database.
Product: Debt collection

This creditor has continued to harass me over and over again I have explain to them that this is not my debit my identity was use fraudulent by someone else not me the debit is by CCS the original creditor is XXXX which I have never gone there or went to get any work done by that company I have a credit freeze I am a victim of identity theft my police report is on file with all three credit company and they still want remove this off my credit this account number is XXXX the date is XX/XX/XXXX date reported the date assigned was XX/XX/XXXX collection account. Account # XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : CCS Collections, XXXX XXXX XXXX, XXXX, MA XXXX Phone : ( XXXX ) XXXX CCS Collections XXXX XXXX XXXX XXXX MA XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Status XX/XX/XXXX Unpaid Date Reported Date Assigned XX/XX/XXXX XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX Amount {$150.00} Date of XXXX Delinquency XX/XX/XXXX Balance Date Balance Amount {$150.00} Last Payment Date Whose Account Individual Account XX/XX/XXXX This company dont care if I was a victim or not they keep telling me to pay it anyway so I had no choice but to reach out to your company for help please all I want them to remove this off my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My checking account with wells Fargo was wrongly overdrafted when i had the money in the account to cover all payments. This has happened more than 3 times with this company but the last overdraft i refused to pay that added up to over {$550.00} each time. The account was closed by the bank because I didn't pay the overdraft and fees.
Product: Debt collection

A collections agency bought an old debt and is threatening to sue me for not paying the balance. I have never opened an account with them and did not disclose my personal or financial information to them. When they bought the debt they never sent the letter for me to dispute the debt or request debt verification.