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 XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX 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 payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
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.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform.leaving my account vulnerable and unprotected these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complete Credit Solutions account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX   ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

XXXX XXXX XXXX paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit  bureaus to delete the XXXX XXXXXXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.
Product: Credit card

My Best Buy credit card through Citi charged me for services without my knowledge, request or approval. i wrote them requesting they correct their error, and they are not only refusing but threatening me and charging me penalties and fees.
Product: Checking or savings account

Chase gave temporary credit to a filed complaint and then reversed the transaction- for merchandise sent back to business but never credited. Chase original claim number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove inaccurate data from my credit report, the information on the original credit file is inaccurate, I have disputed constantly with the 3rd party debt buyer and it continues to come back verified even though I have proven the discrepancy. this item should be removed from my credit file and has expired its statue of limitations. please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a lien on my credit report that had been withdrawn by the lienholder ( XXXX ). The item was removed from my credit report several months ago and now  reappears on my credit report, dragging my score down as well. The validity and accuracy of Equifax as a viable reporting agency needs to be looked into as this type of error should NOT even be possible, not even once. This is NOT something I would want to see on my credit report just before I go apply for a mortgage. This is COMPLETELY ridiculous and unacceptable! I am just livid that this could even be a possibility! What is the point of credit reporting if it is n't even accurate and can not be verified as accurate???
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX XXXX Account with TransUnion and XXXX  that there were a couple of medical accounts that were added that I have no knowledge of. I never went nor received medical services from the facility listed in the collection account. I disputed 2 or 3 of them successfully with no problem. However, I recently tried to dispute another one with the same medical company with XXXX collections agency and it was said to have been determined to be " accurate ''. I have never lived nor have I ever received treatment in XXXX. Also I have noticed that there is now another name that comes up with my report. I believe his name is XXXX ( I tried to find the guy whose name was listed on my Credit Report but when I filed my dispute the name is no longer readily available for me to see ). I tried to call TransUnion to have them investigate and further more remove this person from my account along with the inaccurate accounts. The lady with TransUnion kept asking for me to mail her my Social Security Card. To me that is NOT safe and NOT something that I would ever be interested in doing. My concern is I am reviewing my TransUnion report and now my XXXX  reoport and both of them are incorrect. XXXX  XXXX  has accounts that TransUnion does and Transunion has some random person now connected to my SSN. I need help in fixing this problem without having to see personal documentation. Essentially I am NOT the " XXXX '' character who was seen at the XXXX hospital and XXXX XXXX. I also have NOT finished getting dinner in the same sentence. How do I know which report is accurate an which report is now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account the FCRA violations as following See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person ( furnisher of information ) shall ( A ) conduct an investigation with respect to the disputed information ; ( B. review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C. report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to preform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in Richardson v. Fleet and Nelson v. Chase Manhattan. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. I have asked before for account validation and this has not been done please delete this false and illegal information from my credit report permanently and immediately this creditor has no legal right to report anything to any of the CRAS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, It appears that the credit bureau is still reporting account listed as XXXX XXXX ( XXXX XXXX ) as open. Account has a XXXX a balance and company agreed and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated and corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected accordingly : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that this payment was paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Product: Payday loan

I have permanently " opted out '' from unsolicited financial/credit marketing through all XXXX credit bureaus. 

However, I received the attached offer in the mail - which looks very much like a " check '' - and am concerned not only about the protection of my financial identity but also about others who may have also received this solicitation.
Product: Credit reporting or other personal consumer reports

THIS DEBT WAS CHARGED OFF BUT I HAVE NOT RECEIVED A FORM 1099-C ( CANCELLATION OF DEBT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM 1099-C WHEN A DEBT OF {$600.00} OR MORE IS CHARGED OFF, CANCELED, FORGIVEN, OR DISCHARGED. THE AMOUNT IS {$5900.00}
Product: Credit reporting or other personal consumer reports

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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 7 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. Also, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agencies providing bankruptcy information. The letter from XXXX XXXX locating and removing the bankruptcy information from their database. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information. If it is from the bankruptcy court, IT IS AGAINST THE LAW! Also, please provide me the letter I wrote to your company to furnish, store, input, obtain, etc. my personal information for your companys database. Please remove the bankruptcy and accounts associated in the bankruptcy immediately from your database. Under the FCRA, I am guaranteed the right to sue a party that has violated my rights or protections under the act. If a credit bureau or furnisher is continually reporting false information, despite your efforts to dispute the information, I have grounds for a lawsuit. 


Page XXXX Name inaccurate. See Drivers LicenseREMOVE BANKRUPTCY! 
Page XXXX Address inaccurateSee Drivers LicenseREMOVE BANKRUPTCY! 

See Bankruptcy Document : Pages 19-24 Creditors filed in BankruptcyPlease remove all accounts documented on my credit report below. They are not documented with accuracy with original amounts nor documented as included in bankruptcy. Also, provide me the letter I wrote to your company to store these accounts in your database. REMOVE THESE ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've reached out multiple times the past months to this collection agency asking for proof of debt verification and my signature releasing my personal information to the agency with no response from them. I have sent letters through mail and email, also called them. Still same result no response back and its been months of this. This violates HIPPA and still no response from them through mail or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost XXXX years. I submitted MULTIPLE disputes to XXXX, Equifax and XXXX and stated that i NEVER had an account with XXXX XXXXXXXX from XXXX of XXXX. XXXX deleted the account from my credit report. Equifax and XXXX did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. XXXX and Equifax has refused to delete. If this account is not taken off of my credit report I will file a XXXX  against XXXX, Equifax and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. Equifax and XXXX have a legal requirement to remove falsely reporting information and have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported 90 days late, 60 days late, and 30 days late twice on my credit reports since account closure sending my credit score plummeting to the low 500s from a 650-670, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even thirty days after account closure a 30 days late, 60 days, and 90 days late payment in account history has been noted on my account as well as a charge-off status.
Product: Checking or savings account

On XX/XX/2021 myself and friend went into location XXXX XXXX XXXX and asked branch if we could deposit a 3red part Poa cashier check and was told yes two days later they closed account and with money cleared into my account since XXXX we have provided documentation on 5 different dates to the same location and have incidents report numbers from local attoritys to provide that we have done every thing to please them and they will not send funds back or release what was cleared into my account the bank is chase up Morgan bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX XXXXXXXX account on my credit reports. Today I received notice that my dispute is settled and it is still remaining on my XXXX  credit report. I am again submitting the letter from XXXX XXXX XXXX XXXX that shows proof this is to be deleted off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX. XXXX Account number XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2. also states a consumer reporting agency in can not furnish a account without my reading instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any customer report containing any of the following items or information. Any other advisers item of information, other than the records, conviction of crimes, which indicates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumers reporting agency, if the person knows or has responsible calls to believe the information was in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.
Product: Debt collection

Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. Here as follows are items in error : XXXX. Validate Account Direct Management {$1300.00} XXXX. XXXX XXXX XXXX {$40.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( XXXX ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud
Product: Debt collection

I recently noticed Credence Resource Mana on my consumer reports. I reached out and sent letters and the company failed to respond. I am again informing the company that I dispute this alleged debt and demand verification of this alleged debt pursuant to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last six months I have been disputing with the three credit bureaus and no resultion.
Product: Credit card

There has been a hard credit inquiry done under my name which I did not do at Capital one. I got an alert yesterday that a credit inquiry has been conducted at Capital One on XX/XX/year>. I called Capital One but they told me they can not do anything about it and I should contact a credit bureau such as XXXX which I did. Upon contacting I was told that to file the dispute and a fraud alert I also have to file a FTC report which why I am filing this complaint.