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 Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by 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 delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by XXXX and Experian is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed. 


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. 

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
1. I kindly request that you conduct an investigation to determine whether this public record actually belongs to me. 
Since I am unable to recognize this public record, please remove it from my credit report if it is found to pertain to someone else. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I have a mortgage thru US Bank. Received a letter that a loss mitigation app had been approved XX/XX/XXXX. They would send options and if I did not reply then they would assume no longer needed. Made no such app. Then received a letter saying I was approved for a 3 month plan of XXXX to begin in XXXX. A plan that I never applied for or approved. So I called again and they said they could not remove it but payments would be changed back to XXXX and file would be notated that I rejected the offer. I was worried this would affect my credit which would affect my job but I was to do my own error resolution apparently. He said if I made another payment in XXXX I would be caught up. Close to XXXX in one month. Was talked down to, nothing was researched except looking at their screen repeating well your XXXX pmt was deleted on our end you are 39 days late and I was due for XXXX. I said no I was told if I made 2 payments in XXXX I would be caught up next payment would be due XXXX. I have to do my own error resolution while working doubles with no days off. I will upload everything I have to show I am and have been current. When they set the plan up they set it to start in XXXX but letter received shows XXXX was to be start date. My whole XXXX pmt went into a suspense account. So now I am 40 days behind for XXXX payment. Ive tried calling 3 times but they talk down to me and dont even attempt to research. 

This all stems from an escrow shortage when there was not one. I listed the property last year. Listing ended in XXXX. XXXX went to closing with XXXX, received closing disclosure 30 minutes before closing. An hour after closing they send a corrected one to be signed due to a {$3.00} recording fee they forgot. I reviewed the doc and net to seller went down by $ XXXX. So I cancelled the closing. And have not tried to sell since then. 

I received a notice yesterday saying taxes have not been paid. But taxes and insurance are escrowed. I reviewed recent escrow statement and it shows that taxes and insurance payments have not increased but yet Im short {$1100.00} yet nothing had increased when payments had already gone up {$100.00} this year from XXXX to XXXX due to shortage. All of a sudden I receive a payoff statement XXXX of this year that taxes will be held in escrow until closing. Received no such notice when I was actually going to sell it last year. This seems to be their way of making me pay penalties for late taxes they did not pay but paid last year. 

So now I am behind on payments and taxes.
Product: Credit card

On my XXXX XXXX gas credit card statement dated XXXX/XXXX/2015 I noticed a fraudulent charge on the account. The fraud occurred on XXXX/XXXX/2015 for the amount of {$120.00} at XXXX XXXX New Mexico for XXXX gallons. 
I immediately called the card service account telephone # on XXXX/XXXX/2015 when I discovered the fraud on my card. I was routed through an incorrect maze of telephone numbers in XXXX & always ended up at same department. I requested the card # be closed & a new card be issued to me, as the previous card had been cloned & compromised. The bank service company closed the account, & continue to harass me for more detail about this event. 
I have made numerous telephone calls to try & resolve this matter, but the credit card account personnel are incapable of helping me.
Product: Credit reporting or other personal consumer reports

XXXXRe : Follow-Up Report - Unauthorized Reporting and Refusal to Opt Out** Dear [ CFPB ], I hope this letter finds you well. I am writing to follow up on my previous communication regarding the unauthorized reporting of my information and the company 's refusal to honor my request to opt out, as detailed in your report ( attached ). 

**Background : ** On [ XX/XX/XXXX ], I submitted a request to opt out of reporting as per the procedure outlined in your company 's report. The report explicitly mentions that authorization is required for opting out. However, to my dismay, your company has refused to fulfill this request, contrary to your own stated procedure. 

XXXXCompany 's Response : ** Despite the clear instructions in your report, I received communication on [ XX/XX/XXXX ] indicating that my request to opt out was denied. This raises concerns about compliance with the Privacy Act, USC 1681, and 6802, which I have previously highlighted.

**Legal Violations : ** I want to reiterate the importance of complying with the Privacy Act and relevant U.S . Codes, which require adherence to the procedures outlined by the company itself. Failing to honor the opt-out request as per your own guidelines may constitute a violation of these regulations.

**Request for Resolution : ** I kindly request that [ XXXX XXXX ] promptly rectify this situation by honoring my request to opt out, as clearly outlined in your own report. This will not only ensure compliance with applicable laws but also demonstrate a commitment to ethical and lawful business practices. 

**Documented Evidence : ** Attached to this letter is a copy of your report, where it explicitly states the requirement for authorization to opt out. I believe this documentation reinforces the legitimacy of my request and the company 's obligation to adhere to its own procedures. 

**CC to Regulatory Bodies : ** As a consumer concerned about the proper handling of personal information, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I am committed to resolving this issue through appropriate channels. 

I trust that [ XXXX XXXX ] will take swift action to rectify this matter. Your cooperation in promptly addressing this concern will be appreciated. 

Thank you for your attention to this matter. 




Complaint number XXXX
Product: Debt collection

My debt collection says I owe {$540.00} as the date of XXXX XXXX but I had XXXX XXXX insurance during that year and I tried to pay XXXX off with my health insurance.
Product: Debt collection

The debt was previously reported by XXXX XXXX  and was removed as not being mine and has now been purchased by mercantile adjustment bureau who has as of today placed the collection account on my credit. I live in ny and have no connection with this account. 
Contact is XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

Hi, I've not applied for Amazon Store Card. But, I am receiving emails to pay the Card balance of XXXX USD. 
I talked to Customer Care, they informed me saying that card is closed. No email communication on the card closure and it is still appearing in my Amazon Login A/C. 

Please help as needed to protect my data and Credit report. 

Thanks in advance. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX  XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX and XXXX  {$0.00} Past due : Experian and XXXX $ XXXX {$65000.00} Experian shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while XXXX clearly shows that I paid on time. Delete this account at once!
Product: Credit reporting or other personal consumer reports

I sent the following email to a contact given to me by XXXX Bank. I have sent XXXX emails between XX/XX/XXXX and XX/XX/XXXX and have not received a response. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Dear XXXX, I XXXX ( and mailed ) a payment for the full amount of my loan balance to XXXX Bank on XX/XX/XXXX XXXX a due date of XX/XX/XXXX. See the copy of my check, statement, and notes, attached. I have since voided this check. 

Apparently, XXXX never got my check and I received the attached late notice. Upon receipt of this notice, I paid the full balance immediately. I later found a mark on my credit report. 

About XXXX months ago, I sent a note to XXXX explaining this situation, that I had paid this bill on time and to please remove the mark from my credit report. I dont recall if I emailed or mailed my request, but I know for sure that I sent it. I never received a response. 

I just spoke with XXXX at XXXX who gave me your email. Long story short, I definitely sent this payment on time. I assume the check was either lost in the mail or at your facility. Regardless of what happened, I wanted to send you some proof that I sent this check in on time. 
The late mark on my credit report is affecting my otherwise great credit and Im concerned about additional points/rates we may need to pay on an upcoming home equity line I am applying for. 

As such, would you kindly consider removing the late mark on my credit report? 

Feel free to call me at XXXX or email me at XXXX if youd like to discuss. 

Very best, XXXX.
Product: Debt collection

I received an email in regards to unpaid transactions from XXXX. I looked on my bank account they all were paid in full before I received the email. I tried to use my XXXX account it was locked I called them and they gave me the exact transactions that were showed on my account.
Product: Credit card

I have a SYNCB/WALMART DUAL CARD. Unbeknownst to me, my credit line was erroneously lowered back in XX/XX/2014 from {$8000.00} to {$1500.00} without any notification. This has had a negative affect on my credit and FICO score, despite both being high. Still they were adversely affected. I am requesting for the original credit line to be reinstated.
Product: Debt collection

Removing and adding the alleged debt back on my account. Not accurately investing taking more than 30days. Transunion, XXXX, and XXXX
Product: Consumer Loan

I purchased a XXXX Cheverolet Cobalt back XX/XX/XXXX when I was XXXX in the Air Force in XXXX Georgia XXXX. The car was overpriced and they charged me a very high interest rate. The payments were paid via an allotment directly from my paycheck. I paid the payments faithfully while in active duty. In XXXX I XXXX could no longer make the payments. I contacted Security National XXXX to see if they would defer my payment until I could find employment, but they refused to work with me. The eventually repossed the car and resold it to another buyer. I have not seen or heard anything from them since, but they have added this to my credit report as a charge-off and have an outstanding balance of {$8300.00}. I feel that this is unfair especially since the car has been resold and I did pay for the car faithfully when in the Air Force and did try to work out an arrangement with them, which they refused. I am asking CFPB to please assist me in getting this removed from my credit report. I would like to purchase another vehicle but this has prevented me from gettng approved for financing over the years. I appreciate any help that your agency can provide. 
Thanking you in advance.
Product: Checking or savings account

My direct deposit has not shown up, I have had no issues in the past. Capital One sent out an email informing customers of this issue, stating that it would be resolved early this morning. It's now XXXX XXXX  on XX/XX/XXXX and I still have no received the direct deposit for my paycheck. Capital one has still not provided an update despite saying they would.
Product: Debt collection

In or around XXXX of XXXX Bull City Financial Solutions placed an alleged debt of {$500.00} on my credit report before validating the debt and without any communication with myself. I initially disputed their claim in writing on XX/XX/year> and requested that Bull City provide validation of this alleged debt. Bull City Financial failed to respond or provide requested documentation in the 30 days given by state and federal laws according to the FDCA and the FCRA. I then sent a second letter on XX/XX/year> requesting the same documentation ( validation of debt ). Bull City then responded with with XXXX letters that do not look legit and do not include validation of the debt they are claiming. I then responded to Bull City Financial a third time informing them that they still did not provide the requested information. Bull City Financial still as of XX/XX/year>, has not provided validation of this alleged debt or any legal binding contract between them and myself, bearing my signature obligating monies owed to them by me. Bull City is in violation of state and federal laws and the FDCA, as well as the FCRA.

Receipts of letters sent and signed for by Bull City Financial Solutions as well as letters communicated are attached below.
Product: Debt collection

I received a letter in the mail stating I owe emergency room bills which I have XXXX and I was seen through an emergency room which I called and was alound to use my insurance and be billed to them because of the emergency room visits. Certain bills was taking off and they sent some to the collection agency which were supposed to get billed to my insurance company. I call my company and they never received bills to pay so how can they pay something they didn't know about. The collection agency told me it's to late for the hospital to charge my insurance company so I'm held to pay now. That's not correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Transunion, and XXXX continue to report an allege debt that I do not owe. Before reporting this debt each company was required by federal law to send a notice for me to opt and and dispute this information before adding it to my consumer report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a ( d ) ( 2 ) ( i ) Exclusion of consumer report is any report containing information solely as to transactions or experiences between the consumer and the person making the report ; unless its a report subject to section 1681s3 of the the FCRA, any account that is reporting transactions and experiences ( age of account ) ( type of account ) ( payment history ) should be excluded from my consumer report as such information is private information and not a consumer report and will only be a consumer report if it shared to affiliates the following accounts must be deleted in order to be in compliance and accordance with the FCRA Account names and Account numbers XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Convergent Accts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, high credit inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period. 

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!